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


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     <TD WIDTH="52%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NORTH CAROLINA&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></FONT></TD>
     <TD WIDTH="47%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56-0939887&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></FONT></TD></TR>
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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;Winston-Salem, North Carolina 27101&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></font><br>
<FONT FACE="Times New Roman, Times, Serif" FONT SIZE="2">(Address of principal executive offices, including zip code)</FONT></p>



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<p ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><B>BB&amp;T CORPORATION<br>
401(k) SAVINGS PLAN<BR>
<U>&nbsp;&nbsp;&nbsp;(As Amended and Restated)&nbsp;&nbsp;&nbsp;</U><br></b></FONT>
<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>M. Patricia Oliver<br>
Executive Vice President<br>
and General Counsel<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) 733-2180&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></b></font><br>
<FONT FACE="Times New Roman, Times, Serif" FONT SIZE="2">(Name, address and telephone number, including area code,<br>
of agent for service)<br>
</FONT></p>






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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 (1)</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 (2)</U></b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>price (2)&nbsp;</U></b></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>fee (2)&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">13,000,000</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$37.85</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$492,050,000</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">$62,343</FONT></TD></TR>
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     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(1)</font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="94%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
In addition, pursuant to Rule 416(c) under the Securities Act of 1933, as amended, this registration
 statement also covers an indeterminate amount of plan interests to be offered or sold pursuant to the
 BB&amp;T Corporation 401(k) Savings Plan, as amended and restated.</font></P></TD>
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     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(2)</font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font></TD>
     <TD WIDTH="94%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
Pursuant to Rule 457(c) and (h)(1), based on the average ($37.85) of the high ($38.26) and low
 ($37.44) prices of the Registrant's Common Stock on August 6, 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>

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<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 3</u>.&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;<u>Incorporation of Documents by Reference</u>.</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;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;(a)
The Company&#146;s Annual Report on Form 10-K for the year ended December 31,
2003, filed with the Commission on March 8, 2004, and the Annual Report on Form
11-K of the BB&amp;T Corporation 401(k) Savings Plan, as amended and restated
(the &#147;Plan&#148;), for the fiscal year ended December 31, 2003, filed with
the Commission on June 28, 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;(b)
The Company&#146;s Quarterly Reports on Form 10-Q for the quarter ended March
31, 2004, filed with the Commission on May 7, 2004, and for the quarter ended
June 30, 2004, filed with the Commission on August 6, 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;(c)
The Company&#146;s Current Reports on Form 8-K filed with the Commission on
February 13, 2004, March 19, 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;(d)
The description of the Company&#146;s Common Stock, par value $5.00 per share,
contained in the Company&#146;s Registration Statement on Form 8-A filed with
the Commission on September 4, 1991 with respect to such Common Stock, including
any amendment or report filed for the purposes of updating such description; and</font> </P>

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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;(e)
All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act
since the end of the Company&#146;s fiscal year referred to in (a) above.</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;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;<FONT FACE="Times New Roman, Times, Serif" SIZE="3">Pursuant
to  General Instruction E to Form S-8, the contents of Registration Statement No.
33-54713,  Registration  Statement No. 333-36538 and Registration Statement No. 33-57867,
relating to the offer and sale of  the Registrant&#146;s Common Stock and related plan
interests under the BB&amp;T  Corporation 401(k) Savings Plan or predecessor plans, are
incorporated by  reference in this Registration Statement on Form S-8.</font></font> </P>

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<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 4</u>.&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;<u>Description of Securities</u>.</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;Not
applicable.</font> </P>

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<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 5</u>.&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;<u>Interests  of Named Experts and Counsel</u>.</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;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 78,000 shares of Common Stock of
the Company.</font> </P>

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<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 6</u>.&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;<u>Indemnification of Directors and Officers</u>.</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;<FONT FACE="Times New Roman, Times, Serif" SIZE="3">Sections
55-8-50 through 55-8-58 of the North Carolina  Business  Corporation Act contain
specific  provisions  relating to  indemnification  of directors and officers of  North
Carolina  corporations.  In general,  such sections provide that: (i) a corporation must
indemnify a director or  officer who is wholly successful in his defense of a proceeding
to which he is a  party because of his status as such, unless limited by the articles of
incorporation, and (ii) a corporation may indemnify a director or officer if he  is not
wholly successful in such defense if it is determined, as provided by  statute, that the
director or officer meets a certain standard of conduct,  except that when a director or
officer is liable to the corporation or is  adjudged liable on the basis that personal
benefit was improperly received by  him, the corporation may not indemnify him. A
director or officer of a  corporation who is a party to a proceeding may also apply to a
court for  indemnification, and the court may order indemnification under certain
circumstances set forth by statute. A corporation may, in its articles of  incorporation
or bylaws or by contract or resolution of the board of directors,  provide
indemnification in addition to that provided by statute, subject to  certain conditions.</font></font> </P>






<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3">II - 1</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;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;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;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;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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<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 7</u>.&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;<u>Exemption from Registration Claimed</u>.</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;Not
applicable.</font> </P>

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<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 8</u>.&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;<u>Exhibits</u>.</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;The
following exhibits are filed as a part of this Registration Statement:</font> </P>

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     <TD ALIGN="left" WIDTH="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Exhibit No.</U></b></font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.1</font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.2</font></TD>
     <TD WIDTH="85%"><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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<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.3</font></TD>
     <TD WIDTH="85%"><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="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.4</font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.5</font></TD>
     <TD WIDTH="85%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Articles
of Amendment dated April&nbsp;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>







<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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.6</font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.7</font></TD>
     <TD WIDTH="85%"><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 the  Company&#146;s Registration Statement on Form
S-3 (File No. 333-02899), filed  with the Commission on April 26, 1996.</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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.8</font></TD>
     <TD WIDTH="85%"><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 the Company&#146;s  Registration Statement on Form S-3
(File No. 333-02899), filed with the  Commission on April 26, 1996.</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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.9</font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.10</font></TD>
     <TD WIDTH="85%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Specimen
Certificate of Stock, which is incorporated herein 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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">5 </font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.1</font></TD>
     <TD WIDTH="85%"><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="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.2</font></TD>
     <TD WIDTH="85%"><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="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.3</font></TD>
     <TD WIDTH="85%"><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="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.1</font></TD>
     <TD WIDTH="85%"><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="right" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="12%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.2</font></TD>
     <TD WIDTH="85%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Certified
Resolution of the Board of Directors of BB&amp;T.</font></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Left Underline" -->
<H1 ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" FONT SIZE="3"><u>Item 9</u>.&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;<u>Undertakings</u>.</FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(a)</font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"> The
undersigned registrant hereby undertakes:</font></font> </P>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)
To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:</font> </P>

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

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="11%">(ii)</TD>
     <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
     <TD WIDTH="86%"><P ALIGN="justify">
To reflect in the prospectus any facts or events arising after the effective date of the
Registration Statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set
forth in the Registration Statement. Notwithstanding the foregoing, any increase or
decrease in volume of securities offered (if the total dollar value of securities offered
would not exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule&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>

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


<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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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD WIDTH="6%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
     <TD width="94%"><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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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(2)</font></TD>
     <TD WIDTH="88%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">That,
for the purpose of determining any liability under the Securities Act,  each such
post-effective amendment shall be deemed to be a new registration  statement relating to
the securities offered therein, and the offering of such  securities at that time shall
be deemed to be the initial bona fide offering  thereof.</font></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="right" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD ALIGN="left" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(3)</font></TD>
     <TD WIDTH="88%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">To
remove from registration by means of a post-effective amendment any of the  securities
being registered which remain unsold at the termination of the  offering.</font></P></TD>
</TR>
</TABLE>
<BR>

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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">(b)</font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><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">
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="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">(c)</font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><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">
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>



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



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




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

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

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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, 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 12<sup><U>th</U></sup>
day of August, 2004.</font> </P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TH colspan=1><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH>
     <TH colspan=2 align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="3">BB&amp;T CORPORATION</FONT></TH>
     </TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></tr>
<TR VALIGN="BOTTOM">
     <TD WIDTH="45%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="5%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">By:</FONT></TD>
     <TD WIDTH="50%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ M. Patricia Oliver&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">M. Patricia Oliver</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">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 General Counsel</FONT></TD></TR>
</TABLE>

<!-- MARKER FORMAT-SHEET="Para Left Align" -->
<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement
has been signed by the following persons in the capacities indicated on
August 12, 2004.</font> </P>







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


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

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


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
     <TD WIDTH="10%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ J. Holmes Morrison *</U></FONT></TD>
     <TD WIDTH="10%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>/s/ Richard L. Player, Jr. *</U></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">J. Holmes Morrison</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Name:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Richard L. Player, Jr.</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Director</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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/ M. Patricia Oliver</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: M. Patricia Oliver</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>




<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>THE PLAN</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;Pursuant
to the requirements of the Securities Act of 1933, the Trustee 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 12<sup>th</sup> day of
August, 2004.</font> </P>


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     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="31%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="69%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b>BB&amp;T CORPORATION 401(K) SAVINGS PLAN,</b></FONT></TD></TR>
<TR VALIGN="TOP">
     <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>as amended and restated</b></FONT></TD></TR>
</TABLE>


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     <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="TOP">
     <TD WIDTH="31%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="7%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD WIDTH="62%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&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">Branch Banking and Trust Company, N.A.</FONT></TD></TR>
<TR VALIGN="TOP">
     <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">As Trustee</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">By:&nbsp;</FONT></TD>
<TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>&nbsp;/s/ Thomas A. Ruehling&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD></TR>
<TR VALIGN="TOP">
     <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:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>&nbsp;Thomas A. Ruehling&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD></TR>
<TR VALIGN="TOP">
     <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">Title:</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><U>&nbsp;Vice President&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></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>

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<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></FONT></H1>

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<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B></B></FONT></FONT></H1>

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<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B></B></FONT></FONT></H1>

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<A NAME="A004"></A>
<H1 ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B></B></FONT></FONT></H1>

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     <TD ALIGN="left" WIDTH="9%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">
<FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Exhibit No.</font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD WIDTH="88%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></U></b></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">&nbsp;</font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><b><U>Description</U></b></font></font></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"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.1</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font>
<FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Amended
and Restated Articles of Incorporation of the Company, dated January 14, 1997, 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></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"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.2</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font></TD>
     <TD WIDTH="88%"><P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font>
<FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Articles
of Amendment dated May 6, 1997 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></font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.3</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><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></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"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.4</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><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></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"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.5</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Articles
of Amendment dated April&nbsp;27, 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></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"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.6</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><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></font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.7</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><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 the  Company&#146;s Registration Statement on Form
S-3 (File No. 333-02899), filed  with the Commission on April 26, 1996.*</font></font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.8</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><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 the Company&#146;s  Registration Statement on Form S-3
(File No. 333-02899), filed with the  Commission on April 26, 1996.*</font></font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.9</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">First
Supplemental Indenture between the Registrant and U.S. Bank National  Association,
Trustee, dated as of December 23, 2003, which is incorporated  herein by reference to
Exhibit 4 of the Current Report on Form 8-K, filed  December 23, 2003.*</font></font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">4.10</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Specimen
Certificate of Stock, which is incorporated herein 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></font></P></TD>
</TR>
</TABLE>
<BR>



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     <TD ALIGN="left" WIDTH="9%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">5 </font></TD>
     <TD ALIGN="LEFT" WIDTH="3%"><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"> Opinion
of Womble Carlyle Sandridge &amp; Rice, PLLC, counsel to the Company.</font></P></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.1</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><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></font></P></TD>
</TR>
</TABLE>
<BR>

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     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.2</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Consent
of PricewaterhouseCoopers LLP.</font></font></P></TD>
</TR>
</TABLE>
<BR>

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     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">23.3</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Explanatory
Note regarding Arthur Andersen LLP.</font></font></P></TD>
</TR>
</TABLE>
<BR>

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     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.1</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Power
of Attorney of Directors and Officers of the Company.</font></font></P></TD>
</TR>
</TABLE>
<BR>

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     <TD ALIGN="left" WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">24.2</font></TD>
     <TD ALIGN="LEFT" WIDTH="9%"><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"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3"></font><FONT FACE="Times New Roman, Times, Serif" SIZE="3">Certified
Resolution of the Board of Directors of BB&amp;T.</font></font></P></TD>
</TR>
</TABLE>
<BR>

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<P>_________________ </P>

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<P ALIGN="justify"><FONT FACE="Times New Roman, Times, Serif" SIZE="3">*
Incorporated by reference.</font></P>





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{"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": "333-118153", "film-number": "04969576"}, "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"}}
401(k) Savings 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
401(k) SAVINGS PLAN
(As Amended and Restated)
(Full title of the plan)
M. Patricia Oliver
Executive Vice President
and General Counsel
BB&T Corporation
200 West Second Street
3rd Floor
Winston-Salem, North Carolina 27101
(336) 733-2180
(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 (1)
registered
per share (2)
price (2)
fee (2)
Common
Stock, par value
$5.00 per share
13,000,000
$37.85
$492,050,000
$62,343
(1)
In addition, pursuant to Rule 416(c) under the Securities Act of 1933, as amended, this registration
 statement also covers an indeterminate amount of plan interests to be offered or sold pursuant to the
 BB&T Corporation 401(k) Savings Plan, as amended and restated.
(2)
Pursuant to Rule 457(c) and (h)(1), based on the average ($37.85) of the high ($38.26) and low
 ($37.44) prices of the Registrant's Common Stock on August 6, 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, and the Annual Report on Form
11-K of the BB&T Corporation 401(k) Savings Plan, as amended and restated
(the "Plan"), for the fiscal year ended December 31, 2003, filed with
the Commission on June 28, 2004;
(b)
The Company's Quarterly Reports on Form 10-Q for the quarter ended March
31, 2004, filed with the Commission on May 7, 2004, and for the quarter ended
June 30, 2004, filed with the Commission on August 6, 2004;
(c)
The Company's Current Reports on Form 8-K filed with the Commission on
February 13, 2004, March 19, 2004 and May 3, 2004;
(d)
The description of the Company's Common Stock, par value $5.00 per share,
contained in the Company's Registration Statement on Form 8-A filed with
the Commission on September 4, 1991 with respect to such Common Stock, including
any amendment or report filed for the purposes of updating such description; and
(e)
All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act
since the end of the Company's fiscal year referred to in (a) above.
All
documents subsequently filed by the Company pursuant to Sections 13(a), 13(c),
14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered hereby have been sold or
which deregisters all securities remaining unsold, shall be deemed to be
incorporated by reference herein and to be a part hereof from the date of the
filing of such documents.
Pursuant
to  General Instruction E to Form S-8, the contents of Registration Statement No.
33-54713,  Registration  Statement No. 333-36538 and Registration Statement No. 33-57867,
relating to the offer and sale of  the Registrant's Common Stock and related plan
interests under the BB&T  Corporation 401(k) Savings Plan or predecessor plans, 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 78,000 shares of Common Stock of
the Company.
Item 6
.
Indemnification of Directors and Officers
.
Sections
55-8-50 through 55-8-58 of the North Carolina  Business  Corporation Act contain
specific  provisions  relating to  indemnification  of directors and officers of  North
Carolina  corporations.  In general,  such sections provide that: (i) a corporation must
indemnify a director or  officer who is wholly successful in his defense of a proceeding
to which he is a  party because of his status as such, unless limited by the articles of
incorporation, and (ii) a corporation may indemnify a director or officer if he  is not
wholly successful in such defense if it is determined, as provided by  statute, that the
director or officer meets a certain standard of conduct,  except that when a director or
officer is liable to the corporation or is  adjudged liable on the basis that personal
benefit was improperly received by  him, the corporation may not indemnify him. A
director or officer of a  corporation who is a party to a proceeding may also apply to a
court for  indemnification, and the court may order indemnification under certain
circumstances set forth by 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.
II - 1
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.
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.
II - 2
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 the  Company's Registration Statement on Form
S-3 (File No. 333-02899), filed  with the Commission on April 26, 1996.
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 the Company's  Registration Statement on Form S-3
(File No. 333-02899), filed with the  Commission on April 26, 1996.
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 herein 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.
Item 9
.
Undertakings
.
(a)
The
undersigned registrant hereby undertakes:
(1)
To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:
(i)
To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933 (the
"Securities Act");
(ii)
To reflect in the prospectus any facts or events arising after the effective date of the
Registration Statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set
forth in the Registration Statement. Notwithstanding the foregoing, any increase or
decrease in volume of securities offered (if the total dollar value of securities offered
would not exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume
and price represent no more than a 20% change in the maximum aggregate offering price set
forth in the "Calculation of Registration Fee" table in the effective
Registration Statement;
(iii)
To include any material information with respect to the plan of distribution not
previously disclosed in the Registration Statement or any material change to such
information in the Registration Statement;
II - 3
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 12
th
day of August, 2004.
BB&T CORPORATION
By:
/s/ M. Patricia Oliver
M. Patricia Oliver
Executive Vice President
and General Counsel
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
August 12, 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/ 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/ M. Patricia Oliver
Name: M. Patricia Oliver
Attorney-in-Fact
THE PLAN
Pursuant
to the requirements of the Securities Act of 1933, the Trustee 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 12
th
day of
August, 2004.
BB&T CORPORATION 401(K) SAVINGS PLAN,
as amended and restated
By:
Branch Banking and Trust Company, N.A.
As Trustee
By:
/s/ Thomas A. Ruehling
Name:
Thomas A. Ruehling
Title:
Vice President
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, dated January 14, 1997, 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 dated May 6, 1997 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 27, 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 the  Company's Registration Statement on Form
S-3 (File No. 333-02899), filed  with the Commission on April 26, 1996.*
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 the Company's  Registration Statement on Form S-3
(File No. 333-02899), filed with the  Commission on April 26, 1996.*
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 herein 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.
_________________
*
Incorporated by reference.