EXHIBIT 23.38

INDEPENDEDNT AUDITORS' CONSENT

We consent to the incorporation by reference in this Amendment No.3 to
Registration Statement No. 33-49749 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

February 3, 1994