EXHIBIT 23(d)





                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



     We hereby consent to the incorporation by reference in the Registration
Statement on Form S-4 of BB&T Corporation of our report dated January 21, 2000
from BankFirst Corporation's 1999 annual report on Form 10-K. We also consent to
the reference to us under the heading "Experts" in the Registration Statement.



/s/ Crowe, Chizek and Company LLP
---------------------------------
Crowe, Chizek and Company LLP

Louisville, Kentucky

October 18, 2000