<HTML>
<HEAD>
<TITLE>2004 Stock Incentive Plan</TITLE>
</HEAD>
<BODY>

<!-- MARKER FORMAT-SHEET="Center Rule" -->
<P ALIGN=CENTER>_________________ </P>

<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A001"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>SECURITIES
AND EXCHANGE COMMISSION<br>
Washington,
D.C. 20549</B></FONT></FONT></H1>



<!-- MARKER FORMAT-SHEET="Center Rule" -->
<P ALIGN=CENTER>_________________ </P>

<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A003"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>FORM S-8<br>
REGISTRATION STATEMENT<br>
UNDER<br>
THE SECURITIES ACT OF 1933</B></FONT></FONT></H1>


<!-- MARKER FORMAT-SHEET="Center Rule" -->
<P ALIGN=CENTER>_________________ </P>

<center><IMG SRC="bbtlogo.jpg"></center>

 <p ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BB&amp;T CORPORATION&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></font><br>
 <FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">(Exact name of registrant as specified in its charter)</FONT></FONT></p>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH></TR>
<TR VALIGN="BOTTOM">
     <TD WIDTH="52%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NORTH CAROLINA&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></FONT></TD>
     <TD WIDTH="47%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56-0939887&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(State or other jurisdiction of</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(I.R.S. Employer Identification</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">incorporation of organization)</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Number)</FONT></TD></TR>
</TABLE>

<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A006"></A>
<p ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><B>200 West Second Street<br>
 <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Winston-Salem, North Carolina 27101&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></font><br>
<FONT FACE="Times New Roman, Times, Serif" FONT SIZE="2">(Address of principal executive offices, including zip code)</FONT></p>



<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A007"></A>
<p ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><B>BB&amp;T CORPORATION<br>
<U>&nbsp;&nbsp;&nbsp;2004 STOCK INCENTIVE PLAN&nbsp;&nbsp;&nbsp;</U><br></b></FONT>
<FONT FACE="Times New Roman, Times, Serif" FONT SIZE="2">(Full title of the plan)</FONT></p>



<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A008"></A>
<p ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><B>Scott E. Reed<br>
Senior Executive Vice President<br>
and Chief Financial Officer<br>
BB&amp;T <BR>Corporation<br>
200 West Second Street<br>
3rd Floor<br>
Winston-Salem, North Carolina 27101<br>
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(336) 733-3088&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></font><br>
<FONT FACE="Times New Roman, Times, Serif" FONT SIZE="2">(Name, address and telephone number, including area code,<br>
of agent for service)<br>
</FONT></p>






<!-- MARKER FORMAT-SHEET="Head Minor Center" -->
<A NAME="A012"></A>
<P ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>CALCULATION OF REGISTRATION FEE</b><br><hr size=2 noshade color=black></font></P>



<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH></TR>
<TR VALIGN="BOTTOM">
     <TD WIDTH="24%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="22%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="19%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>Proposed</b></FONT></TD>
     <TD WIDTH="17%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>Proposed</b></FONT></TD>
     <TD WIDTH="18%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>Title of</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>maximum</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>maximum</b></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>securities</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>Amount</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>offering</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>aggregate</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>Amount of</b></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>to be</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>to be</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>price</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>offering</b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>registration</b></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>registered&nbsp;</U></b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>registered&nbsp;</U></b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>per share &nbsp;(1)&nbsp;</U></b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>price &nbsp;&nbsp;&nbsp;(1)&nbsp;</U></b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>fee &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;</U></b></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Common</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Stock, par value</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$5.00 per share</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">25,000,000 shares</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$37.25</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$931,250,000</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$117,989</FONT></TD></TR>
</TABLE><br>

<hr size=1 noshade color=black>

<!-- MARKER FORMAT-SHEET="Para Hang Roman 88" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(1)</font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="94%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Pursuant to Rule 457(c) and (h)(1), based on the average ($37.25) of
the high ($37.56) and low ($36.93) prices of the
Registrant&#146;s Common Stock on June 9, 2004, as reported
on the New York Stock Exchange.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Center Rule" -->
<P ALIGN=CENTER>_________________ </P>


<hr size=3 noshade color=maroon>





<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A013"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>PART
II</B></FONT></FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A014"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>INFORMATION
REQUIRED IN THE REGISTRATION STATEMENT</B></FONT></FONT></H1>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 3</U>.</b>&nbsp;&nbsp;  <b><U>Incorporation of Documents by Reference</U>.</b></font></P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following documents filed by BB&amp;T Corporation (the &#147;Company&#148; or
&#147;BB&amp;T&#148;) with the Securities and Exchange Commission (the
&#147;Commission&#148;) under the Securities Exchange Act of 1934, as amended
(the &#147;Exchange Act&#148;), are incorporated herein by reference:</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)
The Company&#146;s Annual Report on Form 10-K for the year ended December 31,
2003, filed with the Commission on March 8, 2004;</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)
The Company&#146;s Quarterly Report on Form 10-Q for the quarter ended March 31,
2004, filed with the Commission on May<B> </B>7<B>, </B>2004;</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)
The Company&#146;s Current Reports on Form 8-K filed with the Commission on
March 19, 2004, April 13, 2004 and May 3, 2004;</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)
The description of the Company&#146;s Common Stock, par value $5.00 per share,
contained in the Company&#146;s Registration Statement on Form 8-A filed with
the Commission on September 4, 1991 with respect to such Common Stock, including
any amendment or report filed for the purposes of updating such description; and</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)
All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act since the
end of the fiscal year referred to in (a) above.</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
documents subsequently filed by the Company pursuant to Sections 13(a), 13(c),
14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered hereby have been sold or
which deregisters all securities remaining unsold, shall be deemed to be
incorporated by reference herein and to be a part hereof from the date of the
filing of such documents.</font> </P>

<!-- MARKER FORMAT-SHEET="Head Minor Center" -->
<A NAME="A015"></A>
<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 4</U>.</b>&nbsp;&nbsp;
<b><U>Description of Securities</U>.</b></font></P>

<!-- MARKER FORMAT-SHEET="Para Flush In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD WIDTH="6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
     <TD><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Head Minor Center" -->
<A NAME="A016"></A>
<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 5</U>.</b> &nbsp;&nbsp;<b><U>Interests
of Named Experts and Counsel</U>.</b></font></P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
legality of the securities offered hereby has been passed upon for the Company
by Womble Carlyle Sandridge &amp; Rice, PLLC, counsel to the Company. Attorneys
of the firm hold an aggregate of approximately 75,000 shares of Common Stock of
the Company.</font> </P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 6</U>.</b>&nbsp;&nbsp;  <b><U>Indemnification of Directors and Officers</U>.</b></font></P>


<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE="3">Sections
55-8-50 through 55-8-58 of the North Carolina Business Corporation Act contain  specific
provisions relating to indemnification of directors and officers of North Carolina
corporations.  In general,  such sections provide that: (i) a corporation must indemnify
a director or  officer who is wholly successful in his defense of a proceeding to which
he is a  party because of his status as such, unless limited by the articles of
incorporation, and (ii) a corporation may indemnify a director or officer if he  is not
wholly successful in such defense if it is determined, as provided by  statute, that the
director or officer meets a certain standard of conduct,  except that when a director or
officer is liable to the corporation or is  adjudged liable on the basis that personal
benefit was improperly received by  him, the corporation may not indemnify him. A
director or officer of a  corporation who is a party to a proceeding may also apply to a
court for  indemnification, and the court may order indemnification under certain
circumstances set forth in statute. A corporation may, in its articles of  incorporation
or bylaws or by contract or resolution of the board of directors,  provide
indemnification in addition to that provided by statute, subject to  certain conditions.</font></font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s bylaws provide for the indemnification of any director or officer
of the Company against liabilities and litigation expenses arising out of his
status as such, excluding any liabilities or litigation expenses relating to
activities that were at the time taken known or believed by such person to be
clearly in conflict with the best interest of the Company.</font> </P>


<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 1</font></P>

<hr size=3 noshade color=maroon>


<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s articles of incorporation provide for the elimination of the
personal liability of each director of the Company to the fullest extent
permitted by law.</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company maintains directors&#146; and officers&#146; liability insurance that,
in general, insures: (i) the Company&#146;s directors and officers against loss
by reason of any of their wrongful acts and (ii) the Company against loss
arising from claims against the directors and officers by reason of their
wrongful acts, all subject to the terms and conditions contained in the policy.</font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain
rules of the Federal Deposit Insurance Corporation limit the ability of certain
depository institutions, their subsidiaries and their affiliated depository
institution holding companies to indemnify institution- affiliated parties,
including institution directors. In general, the rules prohibit such
institutions from indemnifying a director for certain costs incurred with regard
to an administrative or enforcement action commenced by any federal banking
agency that results in a final order or settlement pursuant to which the
director is assessed a civil money penalty, removed from office, prohibited from
participating in the affairs of an insured depository institution or required to
cease and desist from or take an affirmative action described in Section 8(b) of
the Federal Deposit Insurance Act (12 U.S.C. &sect; 1818(b)).</font> </P>

<!-- MARKER FORMAT-SHEET="Head Minor Center" -->
<A NAME="A017"></A>
<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 7</U>.</b>&nbsp;&nbsp;
<b><U>Exemption from Registration Claimed</U>.</b></font></P>

<!-- MARKER FORMAT-SHEET="Para Flush In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD WIDTH="6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
     <TD><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Head Minor Center" -->
<A NAME="A018"></A>
<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 8</U>.&nbsp;&nbsp;</b> <b><U>Exhibits</U>.</b></font></P>

<!-- MARKER FORMAT-SHEET="Para Flush In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD WIDTH="6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
     <TD><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE="3">The following
exhibits are filed as a part of this Registration Statement:</font></font></P></TD>
</TR>
</TABLE>
<BR>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Exhibit No.</U></b>&nbsp;&nbsp;&nbsp;&nbsp;<b><U>Description</U></b></font></P>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.1</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Amended and Restated Articles of Incorporation of the Company, as amended, which
are incorporated herein by reference to Exhibit 3(a) to the Company&#146;s
Annual Report on Form 10-K for the year ended December 31, 1996, filed with the
Commission on March 17, 1997.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.2</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment to the Articles of Incorporation of the Company, which are
incorporated herein by reference to Exhibit 3(a)(ii) to the Company&#146;s
Annual Report on Form 10-K for the year ended December 31, 1997, filed with the
Commission on March 18, 1998.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.3</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment dated May 1, 1998 to the Articles of Incorporation of the
Company, which are incorporated herein by reference to Exhibit 3(c) to the
Company&#146;s Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.4</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment dated April 30, 2001 to the Articles of Incorporation of
the Company, which are incorporated herein by reference to Exhibit 3(d) to the
Company&#146;s Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.</font></P></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.5</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment dated April 28, 2004 to the Articles of Incorporation of the Company.</font></P></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.6</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Bylaws of the Company, as amended and restated through April 28, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.7</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Subordinated Indenture (including Form of Subordinated Debt Security) between
the Company and State Street Bank and Trust Company, Trustee, dated as of May
24, 1996, which is incorporated herein by reference to Exhibit 4(d) to
Registration No. 333-02899.</font></P></TD>
</TR>
</TABLE>
<BR>


<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 2</font></P>

<hr size=3 noshade color=maroon><br>


<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.8</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Senior Indenture (including Form of Senior Debt Security) between the Company
and State Street Bank and Trust Company, Trustee, dated as of May 24, 1996,
which is incorporated herein by reference to Exhibit 4(c) to Registration No.
333-02899.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.9</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
First Supplemental Indenture between the Registrant and U.S. Bank National
Association, Trustee, dated as of December 23, 2003, which is incorporated
herein by reference to Exhibit 4 of the Current Report on Form 8-K, filed
December 23, 2003.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.10</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Specimen
Certificate of Stock.</font></P></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">5</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> Opinion
of Womble Carlyle Sandridge &amp; Rice, PLLC, counsel to the Company.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.1</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Consent of Womble Carlyle Sandridge &amp; Rice, PLLC, counsel to the
Company (included in Exhibit 5).</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.2</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Consent of PricewaterhouseCoopers LLP.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.3</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> Explanatory
Note regarding Arthur Andersen LLP.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.1</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Power of Attorney of Directors and Officers of the Company.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.2</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Certified
Resolution of the Board of Directors of BB&amp;T.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">99</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> BB&amp;T
Corporation 2004 Stock Incentive Plan.</font></P></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Head Minor Center" -->
<A NAME="A020"></A>
<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 9</U>.</b>&nbsp;&nbsp;
<b><U>Undertakings</U>.</b></font></P>

<!-- MARKER FORMAT-SHEET="Para Hang Roman" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="0%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(a)</font></TD>
     <TD ALIGN="justify" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="97%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp; The
undersigned registrant hereby undertakes:</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(1) </font></TD>
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> To
file, during any period in which offers or sales are being made, a  post-effective
amendment to this Registration Statement:</font></font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="11%">(i)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">
To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933 (the
&#147;Securities Act&#148;); </P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="11%">(ii)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">
To reflect in the prospectus any facts or events arising after the effective date of the
Registration Statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set
forth in the Registration Statement. Notwithstanding the foregoing, any increase or
decrease in volume of securities offered (if the total dollar value of securities offered
would not exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and
price represent no more than a 20% change in the maximum aggregate offering price set
forth in the &#147;Calculation of Registration Fee&#148; table in the effective
Registration Statement; </P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="11%">(iii)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">
To include any material information with respect to the plan of distribution not
previously disclosed in the Registration Statement or any material change to such
information in the Registration Statement; </P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Flush In 2" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD WIDTH="6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
     <TD><P ALIGN="JUSTIFY"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>provided</U>, <U>however</U>, that paragraphs
 (a)(1)(i) and (a)(1)(ii) do not apply if the registration
statement is on Form S-3, Form S-8 or Form F-3, and the information required to be
included in a post-effective amendment by those paragraphs is contained in periodic
reports filed with or furnished to the Commission by the Company pursuant to Section 13 or
Section 15(d) of the Exchange Act that are incorporated by reference in the Registration
Statement.</font></P></TD>
</TR>
</TABLE>
<BR>


<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 3</font></P>

<hr size=3 noshade color=maroon><br>


<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(2)</font></TD>
     <TD ALIGN="justify" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
That, for the purpose of determining any liability under the Securities Act,
each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial bona fide offering
thereof.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(3)</font></TD>
     <TD ALIGN="justify" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
To remove from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of the
offering.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="0%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(b)</font></TD>
     <TD ALIGN="justify" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="97%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp; The
Company hereby undertakes that, for purposes of determining any liability  under the
Securities Act, each filing of the Company&#146;s annual report  pursuant to Section
13(a) or Section 15(d) of the Exchange Act that is  incorporated by reference in the
Registration Statement shall be deemed to be a  new registration statement relating to
the securities offered therein, and the  offering of such securities at that time shall
be deemed to be the initial bona  fide offering thereof.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="0%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(c)</font></TD>
     <TD ALIGN="justify" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="97%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp; Insofar
as indemnification for liabilities arising under the Securities Act may  be permitted to
directors, officers and controlling persons of the Company  pursuant to the foregoing
provisions, or otherwise, the Company has been advised  that in the opinion of the
Commission such indemnification is against public  policy as expressed in the Securities
Act and is, therefore, unenforceable. In  the event that a claim for indemnification
against such liabilities (other than  the payment by the Company of expenses incurred or
paid by a director, officer  or controlling person of the Company in the successful
defense of any action,  suit or proceeding) is asserted by such director, officer or
controlling person  in connection with the securities being registered, the Company will,
unless in  the opinion of its counsel the matter has been settled by controlling
precedent,  submit to a court of appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in the Securities  Act and
will be governed by the final adjudication of such issue.</font></P></TD>
</TR>
</TABLE>
<BR>

<br><br><br><br><br><br><br><br><br><br><br><br><br><br>


<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 4</font></P>



<hr size=3 noshade color=maroon><br>




<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A021"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B><U>SIGNATURES</U></B></FONT></FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A022"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>THE
REGISTRANT</B></FONT></FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, BB&amp;T Corporation
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Winston-Salem, State of North Carolina, on this 15<sup><U>th</U></sup>
day of June, 2004.</font> </P>

<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A023"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B></B></FONT></FONT></H1>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TH colspan=1><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH colspan=2 align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="3">BB&amp;T CORPORATION</FONT></TH>
     </TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></tr>
<TR VALIGN="BOTTOM">
     <TD WIDTH="45%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="5%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">By:</FONT></TD>
     <TD WIDTH="50%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Scott E. Reed&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Scott E. Reed</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Senior Executive Vice President</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">and Chief Financial Officer</FONT></TD></TR>
</TABLE>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement
has been signed by the following persons in the capacities indicated on
June 15, 2004.</font> </P>







<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH></TR>
<TR VALIGN="BOTTOM">
     <TD WIDTH="10%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ John A. Allison IV *</U></FONT></TD>
     <TD WIDTH="10%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Scott E. Reed *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">John A. Allison IV</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Scott E. Reed</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Chairman of the Board and</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Senior Executive Vice President</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Chief Executive Officer</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">and Chief Financial Officer</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(principal executive officer)</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(principal financial officer)</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Edward D. Vest *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Nelle Ratrie Chilton *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Edward D. Vest</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Nelle Ratrie Chilton</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Senior Vice President and</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Corporate Controller</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(principal accounting officer)</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Jennifer S. Banner *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Alfred E. Cleveland *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Jennifer S. Banner</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Alfred E. Cleveland</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Ronald E. Deal *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Tom D. Efird *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Ronald E. Deal</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Tom D. Efird</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Barry J. Fitzpatrick *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Lloyd Vincent Hackley *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Barry J. Fitzpatrick</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Dr. Lloyd Vincent Hackley</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Jane P. Helm *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ J. Ernest Lathem *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Jane P. Helm</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">J. Ernest Lathem, M.D.</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ James H. Maynard *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Albert O. McCauley *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">James H. Maynard</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Albert O. McCauley</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
</table><br>


<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 5</font></P>

<hr size=3 noshade color=maroon><br>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TD WIDTH="10%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ J. Holmes Morrison *</U></FONT></TD>
     <TD WIDTH="10%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Richard L. Player, Jr. *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">J. Holmes Morrison</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Richard L. Player, Jr.</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Nido R. Qubein *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ E. Rhone Sasser *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Nido R. Qubein</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">E. Rhone Sasser</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Jack E. Shaw *</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Albert F. Zettlemoyer *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Jack E. Shaw</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Albert F. Zettlemoyer</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">*By:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Scott E. Reed</U></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name: Scott E. Reed</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Attorney-in-Fact</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
</TABLE><br>
<br><br><br><br><br><br><br>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 6</font></P>

<hr size=3 noshade color=maroon><br>








<!-- MARKER FORMAT-SHEET="Head Major" -->
<A NAME="A027"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>EXHIBIT INDEX<br>
to<br>
Registration <BR>Statement on Form S-8 of<br>
BB&amp;T
Corporation</B></FONT></FONT></H1>



<P><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Exhibit No.</U></b>&nbsp;&nbsp;&nbsp;&nbsp;<b><U>Description</U></b></font></P>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.1</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Amended and Restated Articles of Incorporation of the Company, as amended, which
are incorporated herein by reference to Exhibit 3(a) to the Company&#146;s
Annual Report on Form 10-K for the year ended December 31, 1996, filed with the
Commission on March 17, 1997.*</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.2</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment to the Articles of Incorporation of the Company, which are
incorporated herein by reference to Exhibit 3(a)(ii) to the Company&#146;s
Annual Report on Form 10-K for the year ended December 31, 1997, filed with the
Commission on March 18, 1998.*</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.3</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment dated May 1, 1998 to the Articles of Incorporation of the
Company, which are incorporated herein by reference to Exhibit 3(c) to the
Company&#146;s Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.*</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.4</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment dated April 30, 2001 to the Articles of Incorporation of
the Company, which are incorporated herein by reference to Exhibit 3(d) to the
Company&#146;s Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.*</font></P></TD>
</TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.5</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Articles of Amendment dated April 28, 2004 to the Articles of Incorporation of the Company.</font></P></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.6</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Bylaws of the Company, as amended and restated through April 28, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.7</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Subordinated Indenture (including Form of Subordinated Debt Security) between
the Company and State Street Bank and Trust Company, Trustee, dated as of May
24, 1996, which is incorporated herein by reference to Exhibit 4(d) to
Registration No. 333-02899.*</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.8</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Senior Indenture (including Form of Senior Debt Security) between the Company
and State Street Bank and Trust Company, Trustee, dated as of May 24, 1996,
which is incorporated herein by reference to Exhibit 4(c) to Registration No.
333-02899.*</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.9</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
First Supplemental Indenture between the Registrant and U.S. Bank National
Association, Trustee, dated as of December 23, 2003, which is incorporated
herein by reference to Exhibit 4 of the Current Report on Form 8-K, filed
December 23, 2003.*</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.10</font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Specimen
Certificate of Stock.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">5</font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> Opinion
of Womble Carlyle Sandridge &amp; Rice, PLLC, counsel to the Company.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.1</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Consent of Womble Carlyle Sandridge &amp; Rice, PLLC, counsel to the
Company (included in Exhibit 5).</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.2</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Consent of PricewaterhouseCoopers LLP.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.3</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> Explanatory
Note regarding Arthur Andersen LLP.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="leftt" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.1</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Power of Attorney of Directors and Officers of the Company.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.2</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> Certified
Resolution of the Board of Directors of BB&amp;T.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para Hang Roman In 1" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">99</font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> BB&amp;T
Corporation 2004 Stock Incentive Plan.</font></P></TD>
</TR>
</TABLE>
<BR>

<hr noshade color=black width=200 align=left>



<!-- MARKER FORMAT-SHEET="Para Flush" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">*
Incorporated by reference.</font></P>

<hr size=3 noshade color=maroon><br>







</BODY>
</HTML>
[{"type": "S-8", "sequence": "1", "filename": "stckpln2004.htm", "secsgml_size_bytes": 78768}]
{"company-data": {"conformed-name": "BB&T CORP", "cik": "0000092230", "assigned-sic": "6021", "irs-number": "560939887", "state-of-incorporation": "NC", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-116488", "film-number": "04864269"}, "business-address": {"street1": "200 WEST SECOND STREET", "city": "WINSTON-SALEM", "state": "NC", "zip": "27101", "phone": "3367332000"}, "mail-address": {"street1": "200 WEST SECOND STREET", "city": "WINSTON-SALEM", "state": "NC", "zip": "27101"}, "former-company": {"former-conformed-name": "SOUTHERN NATIONAL CORP /NC/", "date-changed": "19920703"}}
2004 Stock Incentive Plan
_________________
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
_________________
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
_________________
BB&T CORPORATION
(Exact name of registrant as specified in its charter)
NORTH CAROLINA
56-0939887
(State or other jurisdiction of
(I.R.S. Employer Identification
incorporation of organization)
Number)
200 West Second Street
Winston-Salem, North Carolina 27101
(Address of principal executive offices, including zip code)
BB&T CORPORATION
2004 STOCK INCENTIVE PLAN
(Full title of the plan)
Scott E. Reed
Senior Executive Vice President
and Chief Financial Officer
BB&T
Corporation
200 West Second Street
3rd Floor
Winston-Salem, North Carolina 27101
(336) 733-3088
(Name, address and telephone number, including area code,
of agent for service)
CALCULATION OF REGISTRATION FEE
Proposed
Proposed
Title of
maximum
maximum
securities
Amount
offering
aggregate
Amount of
to be
to be
price
offering
registration
registered
registered
per share  (1)
price    (1)
fee      (1)
Common
Stock, par value
$5.00 per share
25,000,000 shares
$37.25
$931,250,000
$117,989
(1)
Pursuant to Rule 457(c) and (h)(1), based on the average ($37.25) of
the high ($37.56) and low ($36.93) prices of the
Registrant's Common Stock on June 9, 2004, as reported
on the New York Stock Exchange.
_________________
PART
II
INFORMATION
REQUIRED IN THE REGISTRATION STATEMENT
Item 3
.
Incorporation of Documents by Reference
.
The
following documents filed by BB&T Corporation (the "Company" or
"BB&T") with the Securities and Exchange Commission (the
"Commission") under the Securities Exchange Act of 1934, as amended
(the "Exchange Act"), are incorporated herein by reference:
(a)
The Company's Annual Report on Form 10-K for the year ended December 31,
2003, filed with the Commission on March 8, 2004;
(b)
The Company's Quarterly Report on Form 10-Q for the quarter ended March 31,
2004, filed with the Commission on May
7
,
2004;
(c)
The Company's Current Reports on Form 8-K filed with the Commission on
March 19, 2004, April 13, 2004 and May 3, 2004;
(d)
The description of the Company's Common Stock, par value $5.00 per share,
contained in the Company's Registration Statement on Form 8-A filed with
the Commission on September 4, 1991 with respect to such Common Stock, including
any amendment or report filed for the purposes of updating such description; and
(e)
All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act since the
end of the fiscal year referred to in (a) above.
All
documents subsequently filed by the Company pursuant to Sections 13(a), 13(c),
14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered hereby have been sold or
which deregisters all securities remaining unsold, shall be deemed to be
incorporated by reference herein and to be a part hereof from the date of the
filing of such documents.
Item 4
.
Description of Securities
.
Not applicable.
Item 5
.
Interests
of Named Experts and Counsel
.
The
legality of the securities offered hereby has been passed upon for the Company
by Womble Carlyle Sandridge & Rice, PLLC, counsel to the Company. Attorneys
of the firm hold an aggregate of approximately 75,000 shares of Common Stock of
the Company.
Item 6
.
Indemnification of Directors and Officers
.
Sections
55-8-50 through 55-8-58 of the North Carolina Business Corporation Act contain  specific
provisions relating to indemnification of directors and officers of North Carolina
corporations.  In general,  such sections provide that: (i) a corporation must indemnify
a director or  officer who is wholly successful in his defense of a proceeding to which
he is a  party because of his status as such, unless limited by the articles of
incorporation, and (ii) a corporation may indemnify a director or officer if he  is not
wholly successful in such defense if it is determined, as provided by  statute, that the
director or officer meets a certain standard of conduct,  except that when a director or
officer is liable to the corporation or is  adjudged liable on the basis that personal
benefit was improperly received by  him, the corporation may not indemnify him. A
director or officer of a  corporation who is a party to a proceeding may also apply to a
court for  indemnification, and the court may order indemnification under certain
circumstances set forth in statute. A corporation may, in its articles of  incorporation
or bylaws or by contract or resolution of the board of directors,  provide
indemnification in addition to that provided by statute, subject to  certain conditions.
The
Company's bylaws provide for the indemnification of any director or officer
of the Company against liabilities and litigation expenses arising out of his
status as such, excluding any liabilities or litigation expenses relating to
activities that were at the time taken known or believed by such person to be
clearly in conflict with the best interest of the Company.
II - 1
The
Company's articles of incorporation provide for the elimination of the
personal liability of each director of the Company to the fullest extent
permitted by law.
The
Company maintains directors' and officers' liability insurance that,
in general, insures: (i) the Company's directors and officers against loss
by reason of any of their wrongful acts and (ii) the Company against loss
arising from claims against the directors and officers by reason of their
wrongful acts, all subject to the terms and conditions contained in the policy.
Certain
rules of the Federal Deposit Insurance Corporation limit the ability of certain
depository institutions, their subsidiaries and their affiliated depository
institution holding companies to indemnify institution- affiliated parties,
including institution directors. In general, the rules prohibit such
institutions from indemnifying a director for certain costs incurred with regard
to an administrative or enforcement action commenced by any federal banking
agency that results in a final order or settlement pursuant to which the
director is assessed a civil money penalty, removed from office, prohibited from
participating in the affairs of an insured depository institution or required to
cease and desist from or take an affirmative action described in Section 8(b) of
the Federal Deposit Insurance Act (12 U.S.C. § 1818(b)).
Item 7
.
Exemption from Registration Claimed
.
Not applicable.
Item 8
.
Exhibits
.
The following
exhibits are filed as a part of this Registration Statement:
Exhibit No.
Description
4.1
Amended and Restated Articles of Incorporation of the Company, as amended, which
are incorporated herein by reference to Exhibit 3(a) to the Company's
Annual Report on Form 10-K for the year ended December 31, 1996, filed with the
Commission on March 17, 1997.
4.2
Articles of Amendment to the Articles of Incorporation of the Company, which are
incorporated herein by reference to Exhibit 3(a)(ii) to the Company's
Annual Report on Form 10-K for the year ended December 31, 1997, filed with the
Commission on March 18, 1998.
4.3
Articles of Amendment dated May 1, 1998 to the Articles of Incorporation of the
Company, which are incorporated herein by reference to Exhibit 3(c) to the
Company's Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.
4.4
Articles of Amendment dated April 30, 2001 to the Articles of Incorporation of
the Company, which are incorporated herein by reference to Exhibit 3(d) to the
Company's Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.
4.5
Articles of Amendment dated April 28, 2004 to the Articles of Incorporation of the Company.
4.6
Bylaws of the Company, as amended and restated through April 28, 2004.
4.7
Subordinated Indenture (including Form of Subordinated Debt Security) between
the Company and State Street Bank and Trust Company, Trustee, dated as of May
24, 1996, which is incorporated herein by reference to Exhibit 4(d) to
Registration No. 333-02899.
II - 2
4.8
Senior Indenture (including Form of Senior Debt Security) between the Company
and State Street Bank and Trust Company, Trustee, dated as of May 24, 1996,
which is incorporated herein by reference to Exhibit 4(c) to Registration No.
333-02899.
4.9
First Supplemental Indenture between the Registrant and U.S. Bank National
Association, Trustee, dated as of December 23, 2003, which is incorporated
herein by reference to Exhibit 4 of the Current Report on Form 8-K, filed
December 23, 2003.
4.10
Specimen
Certificate of Stock.
5
Opinion
of Womble Carlyle Sandridge & Rice, PLLC, counsel to the Company.
23.1
Consent of Womble Carlyle Sandridge & Rice, PLLC, counsel to the
Company (included in Exhibit 5).
23.2
Consent of PricewaterhouseCoopers LLP.
23.3
Explanatory
Note regarding Arthur Andersen LLP.
24.1
Power of Attorney of Directors and Officers of the Company.
24.2
Certified
Resolution of the Board of Directors of BB&T.
99
BB&T
Corporation 2004 Stock Incentive Plan.
Item 9
.
Undertakings
.
(a)
The
undersigned registrant hereby undertakes:
(1)
To
file, during any period in which offers or sales are being made, a  post-effective
amendment to this Registration Statement:
(i)
To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933 (the
"Securities Act");
(ii)
To reflect in the prospectus any facts or events arising after the effective date of the
Registration Statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set
forth in the Registration Statement. Notwithstanding the foregoing, any increase or
decrease in volume of securities offered (if the total dollar value of securities offered
would not exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and
price represent no more than a 20% change in the maximum aggregate offering price set
forth in the "Calculation of Registration Fee" table in the effective
Registration Statement;
(iii)
To include any material information with respect to the plan of distribution not
previously disclosed in the Registration Statement or any material change to such
information in the Registration Statement;
provided
,
however
, that paragraphs
 (a)(1)(i) and (a)(1)(ii) do not apply if the registration
statement is on Form S-3, Form S-8 or Form F-3, and the information required to be
included in a post-effective amendment by those paragraphs is contained in periodic
reports filed with or furnished to the Commission by the Company pursuant to Section 13 or
Section 15(d) of the Exchange Act that are incorporated by reference in the Registration
Statement.
II - 3
(2)
That, for the purpose of determining any liability under the Securities Act,
each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial bona fide offering
thereof.
(3)
To remove from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of the
offering.
(b)
The
Company hereby undertakes that, for purposes of determining any liability  under the
Securities Act, each filing of the Company's annual report  pursuant to Section
13(a) or Section 15(d) of the Exchange Act that is  incorporated by reference in the
Registration Statement shall be deemed to be a  new registration statement relating to
the securities offered therein, and the  offering of such securities at that time shall
be deemed to be the initial bona  fide offering thereof.
(c)
Insofar
as indemnification for liabilities arising under the Securities Act may  be permitted to
directors, officers and controlling persons of the Company  pursuant to the foregoing
provisions, or otherwise, the Company has been advised  that in the opinion of the
Commission such indemnification is against public  policy as expressed in the Securities
Act and is, therefore, unenforceable. In  the event that a claim for indemnification
against such liabilities (other than  the payment by the Company of expenses incurred or
paid by a director, officer  or controlling person of the Company in the successful
defense of any action,  suit or proceeding) is asserted by such director, officer or
controlling person  in connection with the securities being registered, the Company will,
unless in  the opinion of its counsel the matter has been settled by controlling
precedent,  submit to a court of appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in the Securities  Act and
will be governed by the final adjudication of such issue.
II - 4
SIGNATURES
THE
REGISTRANT
Pursuant
to the requirements of the Securities Act of 1933, BB&T Corporation
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Winston-Salem, State of North Carolina, on this 15
th
day of June, 2004.
BB&T CORPORATION
By:
/s/ Scott E. Reed
Scott E. Reed
Senior Executive Vice President
and Chief Financial Officer
Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement
has been signed by the following persons in the capacities indicated on
June 15, 2004.
/s/ John A. Allison IV *
/s/ Scott E. Reed *
Name:
John A. Allison IV
Name:
Scott E. Reed
Title:
Chairman of the Board and
Title:
Senior Executive Vice President
Chief Executive Officer
and Chief Financial Officer
(principal executive officer)
(principal financial officer)
/s/ Edward D. Vest *
/s/ Nelle Ratrie Chilton *
Name:
Edward D. Vest
Name:
Nelle Ratrie Chilton
Title:
Senior Vice President and
Title:
Director
Corporate Controller
(principal accounting officer)
/s/ Jennifer S. Banner *
/s/ Alfred E. Cleveland *
Name:
Jennifer S. Banner
Name:
Alfred E. Cleveland
Title:
Director
Title:
Director
/s/ Ronald E. Deal *
/s/ Tom D. Efird *
Name:
Ronald E. Deal
Name:
Tom D. Efird
Title:
Director
Title:
Director
/s/ Barry J. Fitzpatrick *
/s/ Lloyd Vincent Hackley *
Name:
Barry J. Fitzpatrick
Name:
Dr. Lloyd Vincent Hackley
Title:
Director
Title:
Director
/s/ Jane P. Helm *
/s/ J. Ernest Lathem *
Name:
Jane P. Helm
Name:
J. Ernest Lathem, M.D.
Title:
Director
Title:
Director
/s/ James H. Maynard *
/s/ Albert O. McCauley *
Name:
James H. Maynard
Name:
Albert O. McCauley
Title:
Director
Title:
Director
II - 5
/s/ J. Holmes Morrison *
/s/ Richard L. Player, Jr. *
Name:
J. Holmes Morrison
Name:
Richard L. Player, Jr.
Title:
Director
Title:
Director
/s/ Nido R. Qubein *
/s/ E. Rhone Sasser *
Name:
Nido R. Qubein
Name:
E. Rhone Sasser
Title:
Director
Title:
Director
/s/ Jack E. Shaw *
/s/ Albert F. Zettlemoyer *
Name:
Jack E. Shaw
Name:
Albert F. Zettlemoyer
Title:
Director
Title:
Director
*By:
/s/ Scott E. Reed
Name: Scott E. Reed
Attorney-in-Fact
II - 6
EXHIBIT INDEX
to
Registration
Statement on Form S-8 of
BB&T
Corporation
Exhibit No.
Description
4.1
Amended and Restated Articles of Incorporation of the Company, as amended, which
are incorporated herein by reference to Exhibit 3(a) to the Company's
Annual Report on Form 10-K for the year ended December 31, 1996, filed with the
Commission on March 17, 1997.*
4.2
Articles of Amendment to the Articles of Incorporation of the Company, which are
incorporated herein by reference to Exhibit 3(a)(ii) to the Company's
Annual Report on Form 10-K for the year ended December 31, 1997, filed with the
Commission on March 18, 1998.*
4.3
Articles of Amendment dated May 1, 1998 to the Articles of Incorporation of the
Company, which are incorporated herein by reference to Exhibit 3(c) to the
Company's Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.*
4.4
Articles of Amendment dated April 30, 2001 to the Articles of Incorporation of
the Company, which are incorporated herein by reference to Exhibit 3(d) to the
Company's Quarterly Report on Form 10-Q for the quarter ended March 31,
2003, filed with the Commission on May 15, 2003.*
4.5
Articles of Amendment dated April 28, 2004 to the Articles of Incorporation of the Company.
4.6
Bylaws of the Company, as amended and restated through April 28, 2004.
4.7
Subordinated Indenture (including Form of Subordinated Debt Security) between
the Company and State Street Bank and Trust Company, Trustee, dated as of May
24, 1996, which is incorporated herein by reference to Exhibit 4(d) to
Registration No. 333-02899.*
4.8
Senior Indenture (including Form of Senior Debt Security) between the Company
and State Street Bank and Trust Company, Trustee, dated as of May 24, 1996,
which is incorporated herein by reference to Exhibit 4(c) to Registration No.
333-02899.*
4.9
First Supplemental Indenture between the Registrant and U.S. Bank National
Association, Trustee, dated as of December 23, 2003, which is incorporated
herein by reference to Exhibit 4 of the Current Report on Form 8-K, filed
December 23, 2003.*
4.10
Specimen
Certificate of Stock.
5
Opinion
of Womble Carlyle Sandridge & Rice, PLLC, counsel to the Company.
23.1
Consent of Womble Carlyle Sandridge & Rice, PLLC, counsel to the
Company (included in Exhibit 5).
23.2
Consent of PricewaterhouseCoopers LLP.
23.3
Explanatory
Note regarding Arthur Andersen LLP.
24.1
Power of Attorney of Directors and Officers of the Company.
24.2
Certified
Resolution of the Board of Directors of BB&T.
99
BB&T
Corporation 2004 Stock Incentive Plan.
*
Incorporated by reference.