EXHIBIT 23.28

INDEPENDEDNT AUDITORS' CONSENT

We consent to the incorporation by reference in this Registration Statement of 
BB&T Financial Corporation on Form S-3 of our report dated January 22, 1993, 
relating to the consolidated financial statements of Asheville Federal Bank, FSB
and subsidiary (now Asheville Savings Bank, SSB), appearing in the Current 
Report on Form 8-K of BB&T Financial Corporation dated August 6, 1993, and to 
the reference to us under the heading "Experts" in the Prospectus/Proxy 
Statement, which is part of this Registration Statement.


/s/ Deloitte & Touche
DELOITTE & TOUCHE
Hickory, North Carolina

January 10, 1994