EXHIBIT 23.39
 
 
 
     We consent to the incorporation by reference into this Registration 
Statement of BB&T Financial Corporation on Form S-3 of our report dated March 
11, 1993 relating to the consolidated financial statements of L.S.B. Bancshares,
Inc. of South Carolina as of December 31, 1992 and 1991 and for each of the 
three years in the period ended December 31, 1992.  We also consent to the 
reference to us under the heading "Experts" in the Prospectus/Proxy Statement 
for the conversion merger of Asheville Savings Bank, S.S.B. forming a  part of
this Registration Statement.
  
  
                                    /s/ Donald G. Jones and Company, P.A.
 
                                        Donald G. Jones and Company, P.A.
 
 
February 1, 1994