EXHIBIT 23.33

 
Board of Directors
BB&T Financial Corporation
 
We consent to the use of our report on the consolidated statement of financial 
condition of Old Stone Bank of North Carolina and subsidiaries as of December 
31, 1992 and the related consolidated statements of income, stockholder's equity
and cash flows for the year then ended incorporated herein by reference to our 
firm under the heading "Experts" in the Prospectus/Proxy Statement.
 

                                                KPMG Peat Marwick
 
Greensboro, North Carolina
February 3, 1994