EXHIBIT 10(u)

                         2000 DECLARATION OF AMENDMENT
                            TO THE BB&T CORPORATION
                    NON-QUALIFIED DEFINED CONTRIBUTION PLAN

                  THIS DECLARATION OF AMENDMENT, made the 24 day of October,
2000, by BB&T Corporation (the "Company"), as sponsor of the BB&T Corporation
Non-Qualified Defined Contribution Plan (the "Plan").

                                R E C I T A L S :
                                - - - - - - - - -

                  It is deemed advisable for the Company to amend the Plan to:
(i) clarify the provisions of the Plan relating to the calculation of
installment payments; and (ii) allow a designated officer of the Company to
amend the Plan to provide for the merger or consolidation of another plan into
the Plan.

                  NOW, THEREFORE, it is declared, that effective as of the date
hereof, the Plan shall be and hereby is amended as follows:

                  1.       Delete Section 5.2.5 in its entirety and substitute
          therefor the following:

          "5.2.5      Installment Payments: If the Participant's vested Accrued
                      Benefit is to be distributed in installments pursuant to
                      the Term Certain Option, the amount of each monthly
                      installment shall initially be equal to the value of the
                      Account as of the date benefit payments are to commence
                      multiplied by a fraction, the numerator of which shall be
                      one and the denominator of which shall be the total number
                      of installments to be paid. As of each February 1 (the
                      `Annual Valuation Date'), the amount of the monthly
                      installment payment shall be adjusted so that for the
                      twelve consecutive month period beginning on such Annual
                      Valuation Date the amount of each monthly installment
                      payment shall be equal to the value of the Account on such
                      Annual Valuation Date multiplied by a fraction, the
                      numerator of which shall be one and the denominator of
                      which shall be the number of installments remaining to be
                      paid. The Account shall continue to be adjusted as
                      provided in Section 7 until the entire balance credited to
                      the Account has been paid."

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                  2.       Insert the following new material after the second
          sentence of Section 13:

          "Notwithstanding the foregoing, and until otherwise decided by the
                      Board, the officer of the Company specifically designated
                      in resolutions adopted by the Board shall have the
                      authority to amend the Plan to provide for the merger or
                      consolidation of another non-qualified defined
                      contribution plan into this Plan, and in connection
                      therewith, to set forth any special provisions that may
                      apply to the participants in such other plan on an Exhibit
                      attached hereto."

                  IN WITHNESS WHEREOF, this Amendment has been executed by the
Company as of the day and year first above written.

                                                 BB&T CORPORATION


                                                 By: /s/ Robert E. Greene
                                                    ----------------------------
Attest:                                              President

 /s/ Jerone C. Herring
------------------------
     Secretary

[Corporate Seal]

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