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<TITLE>1995 Omnibus Stock Incentive Plan</TITLE>
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<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>


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<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>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" 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" SIZE="2">(Exact name of registrant as specified in its charter)</font></P>


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     <TD WIDTH="52%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>&nbsp;&nbsp;&nbsp;NORTH CAROLINA&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;56-0939887&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></FONT></TD></TR>
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     <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>
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     <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>
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<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;&nbsp;Winston-Salem, North Carolina 27101&nbsp;&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>


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


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<p ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><B>BB&amp;T CORPORATION<br>
1995 OMNIBUS STOCK INCENTIVE PLAN<br>
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(As Amended and Restated Through February 25, 2003)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></font><br>
<FONT FACE="Times New Roman, Times, Serif" FONT SIZE="2">(Full title of the plan)</FONT></p>



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<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 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)</B></FONT></p>







<br>
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<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>


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     <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>
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     <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>
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     <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>
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     <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>
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     <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>
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     <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>
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     <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>
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     <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">2,088,749 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">$77,805,900</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$9,858</FONT></TD></TR>
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     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(1)</font></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="88%"><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>
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<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B>PART
II</B></FONT></FONT></H1>

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<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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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>

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

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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;</font></P>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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; and</font></P>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>


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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to General  Instruction E to Form S-8, the contents of Registration  Statement No.
333-03989 and Registration  Statement No. 333-36540 and  Registration  Statement No.
333-104934,  relating to the offer and  sale of the Registrant&#146;s Common Stock under
the BB&amp;T Corporation 1995  Omnibus Stock Incentive Plan, as amended and restated
through February 25, 2003  (formerly, the Southern National Corporation 1995 Omnibus
Stock Incentive Plan),  are incorporated by reference in this Registration Statement on
Form S-8.</font></P>

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<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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
applicable.</font></P>

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<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>

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

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<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>



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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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></P>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&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>

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<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>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
applicable.</font></P>

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<H1 ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Item 8</U>.&nbsp;&nbsp; <U>Exhibits</U>.</b></font></H1>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following exhibits are filed as a part of this Registration Statement:</font></P>

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     <TD ALIGN="right" WIDTH="8%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Exhibit No.</U></b></font></TD>
     <TD ALIGN="left" WIDTH="1%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Description</U></b></font></P></TD>
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     <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>
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     <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>
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     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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

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

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>


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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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, which are incorporated
herein by reference to Exhibit 4.5 to the Company&#146;s Registration Statement on Form S-8 (File No. 333-116488), filed with the
Commission on June 15, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>


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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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, which are incorporated herein by reference to  Exhibit&nbsp;4.6
to the Company&#146;s Registration Statement on Form S-8 (File No. 333-116488), filed with the Commission on June 15, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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&nbsp;4 of the Current Report on Form 8-K, filed December 23, 2003.</font></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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, which is incorporated by reference to Exhibit 4.10 to the Company&#146;s Registration Statement on Form S-8
 (File No. 333-116488), filed with the Commission on June 15, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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>

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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></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 1995 Omnibus Stock Incentive Plan (as amended and restated  through February
25, 2003).</font></P></TD>
</TR>
</TABLE>
<BR>

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<A NAME="A021"></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>

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     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(a)</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp; The
undersigned registrant hereby undertakes:</font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="11%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(1) </TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">&nbsp;&nbsp;</font><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> </P></TD>
</TR>
</TABLE>
<BR>

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     <TD ALIGN="right" WIDTH="16%">(i)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="81%"><P ALIGN="justify">&nbsp; 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>

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     <TD ALIGN="right" WIDTH="16%">(ii)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="81%"><P ALIGN="justify">&nbsp; 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&nbsp;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>

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

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


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     <TD ALIGN="right" WIDTH="16%">(iii)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="81%"><P ALIGN="justify">&nbsp; 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>

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<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"><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&nbsp;S-3, Form&nbsp;S-8 or Form&nbsp;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>

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     <TD ALIGN="right" WIDTH="11%">(2)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">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. </P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="11%">(3)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">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. </P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(b)</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&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>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(c)</font></TD>
     <TD WIDTH="91%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&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>


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<A NAME="A022"></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="A023"></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>


<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></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">&nbsp;</FONT></TD>
     <TD WIDTH="50%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">BB&amp;T CORPORATION</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></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></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">By:</FONT></TD>
     <TD 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;</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">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><br>


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<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>




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<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>










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<A NAME="A024"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><B>EXHIBIT INDEX<br>
to<br>
Registration Statement on Form S-8 of<br>
BB&amp;T Corporation</B></FONT></H1>



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

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<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="justify" 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>

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<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="justify" 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>

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<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="justify" 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>

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<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="justify" 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>



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<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="justify" 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, which
are incorporated  herein by reference to Exhibit 4.5 to the Company&#146;s Registration
Statement on Form S-8 (File No. 333-116488), filed with the Commission on June 15, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>


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<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="justify" 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, which are incorporated
herein by reference to  Exhibit&nbsp;4.6  to the Company&#146;s Registration Statement on
Form S-8 (File No. 333-116488), filed with the Commission on June 15, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>

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<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="justify" 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>

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<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="justify" 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" -->
<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="justify" 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&nbsp;4 of the Current Report on Form 8-K, filed December 23, 2003.</font></P></TD>
</TR>
</TABLE>
<BR>

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<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="justify" 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 which is incorporated by reference to Exhibit 4.10 to the Company&#146;s Registration Statement
on Form S-8 (File No. 333-116488), filed with the Commission on June 15, 2004.</font></P></TD>
</TR>
</TABLE>
<BR>

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<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="justify" 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>

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<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="justify" 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>

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<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="justify" 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>

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<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="justify" 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>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.1</font></TD>
     <TD ALIGN="justify" 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>

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<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="justify" 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>

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<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="justify" 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 1995 Omnibus Stock Incentive Plan (as amended and restated  through February
25, 2003).</font></P></TD>
</TR>
</TABLE>
<BR>

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<P>_________________ </P>

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<P ALIGN="left"><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": "omni2004.htm", "secsgml_size_bytes": 81556}]
{"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": "333-116502", "film-number": "04864573"}, "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"}}
1995 Omnibus 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
1995 OMNIBUS STOCK INCENTIVE PLAN
(As Amended and Restated Through February 25, 2003)
(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
2,088,749 shares
$37.25
$77,805,900
$9,858
(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;
(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; and
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.
Pursuant
to General  Instruction E to Form S-8, the contents of Registration  Statement No.
333-03989 and Registration  Statement No. 333-36540 and  Registration  Statement No.
333-104934,  relating to the offer and  sale of the Registrant's Common Stock under
the BB&T Corporation 1995  Omnibus Stock Incentive Plan, as amended and restated
through February 25, 2003  (formerly, the Southern National Corporation 1995 Omnibus
Stock Incentive Plan),  are incorporated by reference in this Registration Statement on
Form S-8.
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.
II - 1
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.
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.
II - 2
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, which are incorporated
herein by reference to Exhibit 4.5 to the Company's Registration Statement on Form S-8 (File No. 333-116488), filed with the
Commission on June 15, 2004.
4.6
Bylaws
of the Company, as amended and restated through April 28, 2004, which are incorporated herein by reference to  Exhibit 4.6
to the Company's Registration Statement on Form S-8 (File No. 333-116488), filed with the Commission on June 15, 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, which is incorporated by reference to Exhibit 4.10 to the Company's Registration Statement on Form S-8
 (File No. 333-116488), filed with the Commission on June 15, 2004.
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 1995 Omnibus Stock Incentive Plan (as amended and restated  through February
25, 2003).
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;
II - 3
(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.
(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
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, which
are incorporated  herein by reference to Exhibit 4.5 to the Company's Registration
Statement on Form S-8 (File No. 333-116488), filed with the Commission on June 15, 2004.
4.6
Bylaws
of the Company, as amended and restated through April 28, 2004, which are incorporated
herein by reference to  Exhibit 4.6  to the Company's Registration Statement on
Form S-8 (File No. 333-116488), filed with the Commission on June 15, 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 which is incorporated by reference to Exhibit 4.10 to the Company's Registration Statement
on Form S-8 (File No. 333-116488), filed with the Commission on June 15, 2004.
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 1995 Omnibus Stock Incentive Plan (as amended and restated  through February
25, 2003).
_________________
*
Incorporated by reference.