8-K

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

Form 8-K
Current Report

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

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.

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.

EXHIBIT INDEX

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

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

EX-99.1

     BB&T Corporation to hold Annual Investor and Analyst Conference Webcast

          WINSTON-SALEM, N.C., Feb. 18 /PRNewswire-FirstCall/ -- BB&T Corporation (NYSE: BBT) will host its annual investor and analyst conference on Feb. 19, from 8:00 a.m. to 3:00 p.m. (EST). The purpose will be to provide information to investors and potential investors about BB&T Corporation, including the company's operations, financial performance and future strategies. The event will be accessible on the Internet via the Investor Relations section of the BB&T website at www.BBandT.com/investor/ or at the website http://www.videonewswire.com/event.asp?id=20421. A replay of the event will also be available at www.BBandT.com/investor/ until 5:00 p.m. on Feb. 27.

          Winston-Salem-based BB&T Corporation operates more than 1,350 banking offices in the Carolinas, Georgia, Virginia, Maryland, West Virginia, Kentucky, Tennessee, Florida, Alabama, Indiana and Washington, D.C. With $90.5 billion in assets as of Dec. 31, BB&T Corporation is the nation’s 13^th largest financial holding company. BB&T was named in 2003 to the Forbes Platinum 400 list of America’s “Best Big Companies” for the fourth year in a row.

          BB&T and its subsidiaries offer full-service commercial and retail banking and additional financial services such as insurance, investments, retail brokerage, corporate finance, international banking, leasing and trust. More information is available at www.BBandT.com.

Contact:   Tom Nicholson, Senior Vice President, BB&T Investor Relations, 336-733-3058.