(LOGO OF McGLADREY & PULLEN APPEARS HERE)             (LOGO OF RSM APPEARS HERE)

                                                                   Exhibit 23.25

                        CONSENT OF INDEPENDENT AUDITORS



To the Board of Directors
BB&T Financial Corporation
Wilson, North Carolina



We consent to the incorporation by reference in the Prospectus/Proxy Statement
for the conversion/merger of Home Savings Bank of Albemarle, S.S.B. of our 
report dated November 10, 1993, with respect to the financial statements of 
Home Savings Bank of Albemarle, S.S.B., (formerly Home Savings & Loan
Association) and subsidiary incorporated by reference on BB&T Financial
Corporation's Form 8-K  for the years ended September 30, 1993, and 1992 and to
the reference to our firm under the heading "Experts".


McGLADREY & PULLEN



By: /s/ McGLADREY & PULLEN
   -----------------------


Charlotte, North Carolina
January 5, 1994     



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