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CCB*Salem Group Opens Charlotte Office; Professional/Private Banking Service Expands

    DURHAM, N.C., Feb. 7 /PRNewswire/ -- CCB*Salem Group is proud to announce
the opening of its third and newest office in the new Avery at Morrocroft in
SouthPark, Charlotte.  CCB*Salem Group is a full-service financial arm of
Central Carolina Bank focused exclusively on professional and private banking
clients.  The CCB*Salem Group offers commercial, consumer, and mortgage loans,
plus full deposit services, trust and other asset management services.  The
CCB*Salem Group has been operating out of temporary offices in Morrocroft
since July 1999 and has already established banking relationships with
professionals in Charlotte.
    Gordon Sheeran, manager of professional banking and executive vice
president of CCB*Salem Group, says, "Our clients are people who are very busy,
who want their banking partner to take care of things for them, and want it
done right the first time.  Our concept is to make life easy -- you integrate
all your financial services in one place."
    In many ways, CCB*Salem Group is a dedicated return to the traditional
ways banking used to be: simple, sensitive, responsive and uncomplicated.
"The CCB*Salem Group client works with one contact person -- a personal banker
-- who is fully responsible for all aspects of the relationship," adds
Sheeran.  "The contact person handles any financial need, such as financing
the start up of a professional practice, personal and commercial real estate
financing, managing investments, and business and personal deposit accounts."
    The office is led by Jeff Covington and Stephen Heesemen.  Both are
banking veterans with more than 27 years of combined experience, and are
Charlotte natives with strong family, business and community ties.
    CCB*Salem Group roots go back to 1985 with the formation of Salem Trust
Bank in Winston-Salem, N.C.  Salem Trust focused on providing the best banking
service available to the professional markets in the Winston-Salem/Triad area.
Salem Trust Bank merged with CCB in 1997 with clear designs to recreate this
successful concept in select markets throughout the CCB franchise.  In
addition to the Morrocroft office in Charlotte, CCB*Salem Group has offices in
Winston-Salem and Greensboro.  Office space has been leased in Raleigh near
Rex Hospital, and there are plans to open in other major cities over the next
several years.

    Background
    CCB Financial Corporation (NYSE: CCB) offers a complete line of
traditional banking services, as well as a full array of financial products,
such as investments, insurance and trust services.  Its two principal banking
subsidiaries, Central Carolina Bank and Trust Company in North Carolina and
American Federal Bank, FSB in South Carolina, serve customers through 207
offices, 229 ATMs, its Telebanking Center, and on-line banking for both retail
and commercial accounts.  The Trust and Investment Management division
currently has 16 offices in the Carolinas, Virginia and Florida, with trust
assets exceeding $5 billion.  As of December 31, 1999, CCB had total assets of
$8.2 billion.  News releases and other information about CCB Financial are
available on the Internet at the Corporation's website, CCBonline.com .


SOURCE CCB Financial Corporation




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    CONTACT:
    Eileen Sarro, Public Relations of CCB
    Financial Corporation, 919-683-7642