<ARTICLE> 9
<LEGEND>
Effective December 31, 1997, BB&T adopted SFAS No. 128, "Earnings Per Share."
The lines labeled EPS-PRIMARY and EPS-FULLY DILUTED on this exhibit actually
reflect EPS-BASIC and EPS-DILUTED, respectively, as determined under SFAS No.
128.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                       1,206,773
<INT-BEARING-DEPOSITS>                          71,635
<FED-FUNDS-SOLD>                               244,520
<TRADING-ASSETS>                                93,221
<INVESTMENTS-HELD-FOR-SALE>                 10,771,247
<INVESTMENTS-CARRYING>                          97,122
<INVESTMENTS-MARKET>                            98,070
<LOANS>                                     30,736,683
<ALLOWANCE>                                    411,188
<TOTAL-ASSETS>                              45,479,056
<DEPOSITS>                                  28,791,574
<SHORT-TERM>                                 7,080,882
<LIABILITIES-OTHER>                            689,705
<LONG-TERM>                                  5,520,484
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,739,531
<OTHER-SE>                                   1,656,880
<TOTAL-LIABILITIES-AND-EQUITY>              45,479,056
<INTEREST-LOAN>                              2,559,361
<INTEREST-INVEST>                              684,356
<INTEREST-OTHER>                                18,544
<INTEREST-TOTAL>                             3,262,261
<INTEREST-DEPOSIT>                           1,017,606
<INTEREST-EXPENSE>                           1,604,179
<INTEREST-INCOME-NET>                        1,658,082
<LOAN-LOSSES>                                  104,667
<SECURITIES-GAINS>                             (5,202)
<EXPENSE-OTHER>                              1,436,056
<INCOME-PRETAX>                                911,045
<INCOME-PRE-EXTRAORDINARY>                     911,045
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   614,360
<EPS-BASIC>                                       1.78
<EPS-DILUTED>                                     1.75
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                    108,708
<LOANS-PAST>                                    54,493
<LOANS-TROUBLED>                                 1,094
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               378,531
<CHARGE-OFFS>                                  112,234
<RECOVERIES>                                    29,527
<ALLOWANCE-CLOSE>                              411,188
<ALLOWANCE-DOMESTIC>                           411,188
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        102,394