Exhibit 23.4

                      Consent of Independent Accountants
                      ----------------------------------
    
We consent to the incorporation by reference in the registration statement of 
BB&T Financial Corporation on Form S-4 of our report dated January 15, 1993 on 
our audits of the financial statements of Commerce Bank as of December 31, 1992 
and 1991 and for each of the two years in the period ended December 31, 1992, 
which report is incorporated by reference in the Commerce Bank Form F-2 Annual 
Report for the year ended December 31, 1993, which Form F-2 is incorporated by 
reference in this Form S-4. We also consent to the reference to our firm under 
the caption "Experts."      


Norfolk, Virginia                         /s/ COOPERS & LYBRAND L.L.P.
    
November 8, 1994