Exhibit 23(d)

              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

        We consent to the incorporation by reference in the Registration
Statement No. 333-56616 on Form S-4 of BB&T Corporation of our report dated
January 19, 2001, relating to the consolidated balance sheets of Virginia
Capital Bancshares, Inc. as of December 31, 2000 and 1999, and the related
consolidated statements of income, comprehensive income, changes in
stockholders' equity, and cash flows for the years then ended, which report is
included in the December 31, 2000 annual report on Form 10-K of Virginia Capital
Bancshares, Inc.


                                             /s/ KPMG LLP

                                             KPMG LLP

Richmond, Virginia
April 27, 2001