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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

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Form 8-K
Current Report

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Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

February 18, 2004

Date of Report (Date of earliest event reported)

BB&T Corporation
(Exact name of registrant as specified in its charter)

Commission file number : 1-10853

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North Carolina	56-0939887
(State of incorporation)	(I.R.S. Employer Identification No.)

200 West Second Street
Winston-Salem, North Carolina	27101
(Address of principal executive offices)	(Zip Code)

(336) 733-2000
(Registrant's telephone number, including area code)

This Form 8-K has 1 page.

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ITEM 9.   Regulation FD Disclosure

          The purpose of this Current Report on Form 8-K is to file a press release with respect to BB&T’s 2004 Annual Investor and Analyst Conference Webcast.

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EXHIBIT INDEX

Exhibit 99.1 Press Release announcing BB&T’s 2004 Annual Investor and Analyst Conference Webcast.

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S  I  G  N  A  T  U  R  E

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

                                                                                BB&T CORPORATION
                                                                                (Registrant)

                                                                                By: /S/ EDWARD D. VEST

                                                                                Edward D. Vest
                                                                                Senior Vice President and Controller
                                                                                (Principal Accounting Officer)

Date:      February 18, 2004