Exhibit 4.9

                             CERTIFICATE OF TRUST
                                      OF
                             BB&T CAPITAL TRUST I


     THIS CERTIFICATE OF TRUST OF BB&T CAPITAL TRUST I (the "Trust") is being
duly executed and filed by Wilmington Trust Company, a Delaware banking
corporation, and Jerone C. Herring and Scott E. Reed, each an individual, as
trustees, to form a business trust under the Delaware Business Trust Act (12
Del. C. Section 3801 et seq.) (the "Act").

     1.   NAME.  The name of the business trust formed hereby is BB&T Capital
          Trust I.

     2.   DELAWARE TRUSTEE.  The name and business address of the trustee of the
          Trust in the State of Delaware is Wilmington Trust Company, Rodney
          Square North, 1100 North Market Street, Wilmington, Delaware 19890-
          0001, Attention: Corporate Trust Administration.

     3.   EFFECTIVE DATE.  This Certificate of Trust shall be effective upon
          filing.

     IN WITNESS WHEREOF, the undersigned have executed this Certificate of Trust
in accordance with Section 3811(a)(1) of the Act.


                                        WILMINGTON TRUST COMPANY, as Trustee


                                        By: /s/ Donald E. MacKelcan
                                            -----------------------------------
                                            Name:  Donald E. MacKelcan
                                                   ----------------------------
                                            Title: Vice President
                                                   ----------------------------

                                        /s/ Jerone C. Herring
                                        ---------------------------------------
                                        Jerone C. Herring, as Trustee

                                        /s/ Scott E. Reed
                                        ---------------------------------------
                                        Scott E. Reed, as Trustee