Exhibit 23.5





                    CONSENT OF THE CARSON MEDLIN COMPANY



We hereby consent to the inclusion as Appendix V to the Proxy
Statement/Prospectus constituting part of the Registration Statement on Form S-
4 of BB&T Financial Corporation of our letter to the Board of Directors of
L.S.B. Bancshares, Inc. of South Carolina and to the references made to such
letter and to the firm in such Proxy Statement/Prospectus. In giving such
consent, we do not thereby admit that we come within the category of persons
whose consent is required under Section 7 of the Securities Act of 1933 or the
rules and regulations of the Securities and Exchange Commission thereunder.

                          The Carson Medlin Company


Tampa, Florida
April 29, 1994