<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001244172</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <issuerInfo>
      <issuerCik>0001093672</issuerCik>
      <issuerName>PEOPLES BANCORP OF NORTH CAROLINA INC</issuerName>
      <secFileNumber>000-27205</secFileNumber>
      <issuerAddress>
        <com:street1>518 WEST C STREET</com:street1>
        <com:street2>PO BOX 467</com:street2>
        <com:city>NEWTON</com:city>
        <com:stateOrCountry>NC</com:stateOrCountry>
        <com:zipCode>28658-4007</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>8284645620</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>ABERNETHY JAMES S</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Wells Fargo Clearing Services</name>
        <address>
          <com:street1>1 N. Jefferson Ave.</com:street1>
          <com:city>St. Louis</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63103</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>20000</noOfUnitsSold>
      <aggregateMarketValue>603200.00</aggregateMarketValue>
      <noOfUnitsOutstanding>5457646</noOfUnitsOutstanding>
      <approxSaleDate>02/18/2025</approxSaleDate>
      <securitiesExchangeName>Nasdaq</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>01/01/1992</acquiredDate>
      <natureOfAcquisitionTransaction>Inheritance</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Julius Abernethy Jr</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>20000</amountOfSecuritiesAcquired>
      <paymentDate>01/01/1992</paymentDate>
      <natureOfPayment>N/A</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>James Abernethy</name>
        <address>
          <com:street1>518 West C Street</com:street1>
          <com:city>Newton</com:city>
          <com:stateOrCountry>SC</com:stateOrCountry>
          <com:zipCode>28658-4007</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Shares of PEBK</securitiesClassTitle>
      <saleDate>11/22/2024</saleDate>
      <amountOfSecuritiesSold>1000</amountOfSecuritiesSold>
      <grossProceeds>29565.77</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Adrian Abernethy</name>
        <address>
          <com:street1>518 West C Street</com:street1>
          <com:city>Newton</com:city>
          <com:stateOrCountry>SC</com:stateOrCountry>
          <com:zipCode>28658-4007</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Shares of PEBK</securitiesClassTitle>
      <saleDate>11/22/2024</saleDate>
      <amountOfSecuritiesSold>500</amountOfSecuritiesSold>
      <grossProceeds>14872.25</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>James Abernethy</name>
        <address>
          <com:street1>518 West C Street</com:street1>
          <com:city>Newton</com:city>
          <com:stateOrCountry>SC</com:stateOrCountry>
          <com:zipCode>28658-4007</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Shares of PEBK</securitiesClassTitle>
      <saleDate>12/05/2024</saleDate>
      <amountOfSecuritiesSold>500</amountOfSecuritiesSold>
      <grossProceeds>15752.56</grossProceeds>
    </securitiesSoldInPast3Months>
    <remarks>Shares sold by the Estate of Christine S. Abernethy. James &amp; Robert Abernethy are executives of the estate as well as directors for PEBK. Shares sold by the estate were inherited by Christine Abernethy from her husband in 1992.</remarks>
    <noticeSignature>
      <noticeDate>02/18/2025</noticeDate>
      <signature>James S. Abernethy</signature>
    </noticeSignature>
  </formData>
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144
0001244172
XXXXXXXX
LIVE
0001093672
PEOPLES BANCORP OF NORTH CAROLINA INC
000-27205
518 WEST C STREET
PO BOX 467
NEWTON
NC
28658-4007
8284645620
ABERNETHY JAMES S
Director
Common
Wells Fargo Clearing Services
1 N. Jefferson Ave.
St. Louis
MO
63103
20000
603200.00
5457646
02/18/2025
Nasdaq
Common
01/01/1992
Inheritance
Julius Abernethy Jr
N
20000
01/01/1992
N/A
N
James Abernethy
518 West C Street
Newton
SC
28658-4007
Common Shares of PEBK
11/22/2024
1000
29565.77
Adrian Abernethy
518 West C Street
Newton
SC
28658-4007
Common Shares of PEBK
11/22/2024
500
14872.25
James Abernethy
518 West C Street
Newton
SC
28658-4007
Common Shares of PEBK
12/05/2024
500
15752.56
Shares sold by the Estate of Christine S. Abernethy. James & Robert Abernethy are executives of the estate as well as directors for PEBK. Shares sold by the estate were inherited by Christine Abernethy from her husband in 1992.
02/18/2025
James S. Abernethy