EXHIBIT 23.34
 
                               February 3, 1994
 
 
Board of Directors
BB&T Financial Corporation
223 West Nash Street
Wilson, North Carolina 27893
 
Gentlemen:
 
I hereby consent to the reference to my name under the caption "Opinions" in the
Prospectus relating to Asheville Savings Bank, S.S.B. included in 
Post-Effective Amendment No. 3 to the Registration Statement.
 
                                Very Truly Yours,
 
 
                                Jerone C. Herring
                                Vice President and Secretary