A modification of the approximate-factorization method is made to accelerate the convergency rate and to take sufficiently large Courant number without loss of accuracy. And a stable implicit finite-difference scheme for solving the incompressible Navier-Stokes equations employed above modified method is developed. In the present implicit scheme, the volume fluxes with contravariant velocity components and the pressure formulation in curvilinear coordinates is adopted. In order to satisfy the continuity condition completely and to remove spurious errors for the pressure, the Navier-Stokes equations are solved by a modified SMAC scheme using a staggered gird. The upstream-difference scheme such as the QUICK scheme is also employed to the right hand side. The implicit scheme is unconditionally stable and satisfies a diagonally dominant condition for scalar diagonal linear systems of implicit operator on the left hand side. Numerical results for some test calculations of the two-dimensional flow in a square cavity and over a backward-facing step are obtained using both usual approximate-factorization method and the modified one, and compared with each other. It is shown that the present scheme allows a sufficiently large Courant number of O(10$^{2}$) and reduces the computing time.