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

                                                                   Exhibit 23.36

                        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/acquisition of Asheville Savings Bank, S.S.B. of our report 
dated October 27, 1992, with respect to the financial statements of Citizens
Savings Bank, SSB, Inc. (formerly Citizens Savings Bank, Inc.) and subsidiary
incorporated by reference on BB&T Financial Corporation's Form 8-K for the
years ended September 30, 1992, 1991 and 1990 and to the reference to our Firm
under the heading "Experts".


McGLADREY & PULLEN



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


Charlotte, North Carolina
January 31, 1994    



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