Exhibit 23.1


                         INDEPENDENT AUDITORS' CONSENT

The Board of Directors
BB&T Financial Corporation

    
We consent to the use of our report dated January 19, 1994, except as to note 2 
which is as of June 30, 1994, included in BB&T Financial Corporation's Current 
Report on Form 8-K dated August 31, 1994, which restates portions of the 
Company's Annual Report on Form 10-K for the year ended December 31, 1993 to 
give effect to the acquisition of L.S.B. Bancshares, Inc. ("L.S.B.") in 1994 
which has been accounted for under the pooling-of-interests method, incorporated
by reference in the Form S-4 Registration Statement and to the reference to our 
firm under the heading "Experts" in the related Proxy Statement/Prospectus 
related to the acquisition of Commerce Bank.      
    
We also consent to the use of our report dated January 19, 1994 included in BB&T
Financial Corporation's Annual Report on Form 10-K for the year ended 
December 31, 1993, incorporated by reference in the Form S-4 Registration
Statement. Such financial statements were restated subsequent to the Company's
Annual Report on Form 10-K in the Company's Current Report on Form 8-K dated
August 31, 1994 to give effect to the LSB acquisition occurring in 1994 and
accounted for under the pooling-of-interests method.      


                                                                             
                                                /s/ KPMG Peat Marwick LLP     
                                                -------------------------      
                                                KPMG Peat Marwick LLP         

    
Raleigh, North Carolina
November 7, 1994