EXHIBIT 23.32

 
The Board of Directors
BB&T Financial Corporation
 
We consent to the use of our report dated January 14, 1993 included in BB&T 
Financial Corporation's Form 10-K for the year ended December 31, 1992 
incorporated herein by reference and to the reference to our firm under the
heading  "Experts" in the Registration Statement and related Prospectus for the 
conversion/acquisition of Asheville Savings Bank, S.S.B.
 
 
                                                KPMG Peat Marwick
 
Raleigh, North Carolina
February 3, 1994