BB&T Second Quarter 2004 Earnings Conference Call.

WINSTON-SALEM, N.C. -- BB&T CORPORATION (NYSE:BBT), a regional financial holding company, will report its second quarter 2004 earnings prior to market opening on Tuesday, July 13, 2004. John A. Allison, Chairman and CEO and Scott E. Reed, Chief Financial Officer, will host a conference call to discuss second quarter performance on Tuesday, July 13, 2004, beginning at 10:30 a.m. Eastern Daylight Time.

This conference call is being webcast live by CCBN and may be accessed at BB&T's website at www.BBandT.com/investor/. A replay of the call will also be available at the same web address until 5:00 p.m. on Wednesday, July 28, 2004.

The webcast is also being distributed over CCBN's Investor Distribution Network to both institutional and individual investors. Individual investors can listen to the call through CCBN's individual investor center at www.fulldisclosure.com or by visiting any of the investor sites in CCBN's Individual Investor Network. Institutional investors can access the call via CCBN's password-protected event management site, StreetEvents (www.streetevents.com).

About BB&T:

BB&T Corporation, headquartered in Winston-Salem, NC, is a fast growing, highly profitable financial holding company with over $97 billion in assets. Its bank subsidiaries operate more than 1,400 banking offices in the Carolinas, Virginia, West Virginia, Kentucky, Georgia, Maryland, Tennessee, Florida, Alabama, Indiana and Washington, D.C. BB&T ranks No. 2 in market share in North Carolina, No. 3 in South Carolina, No. 2 in Virginia/Washington D.C., No. 2 in Kentucky, No. 1 in West Virginia, No. 7 in Georgia and No. 6 in Maryland.