FIRST LIBERTY FINANCIAL CORP
15-12G, 1999-12-08
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                                     FORM 15

 Certification and Notice of Termination of Registration  under Section 12(g) of
    the Securities Exchange Act of 1934 or Suspension of Duty to File Reports
       Under Sections 13 and 15(d) of the Securities Exchange Act of 1934

                          Commission File Number 0-14417

                          First Liberty Financial Corp.
              Exact name of registrant as specified in its charter)

        201 Second Street, Macon, Georgia 31297 Telephone: (912) 722-7400
    (Address, including zip code, and telephone number, including area code,
                  of registrant's principal executive offices)

                     Common  Stock,  par value  $1.00  per share  (Title of each
            class of securities covered by this Form)

                                      None
       (Titles    of all other  classes of  securities  for which a duty to file
                  reports under section 13(a) or 15(d) remains)


Please place an X in the box(es) to designate the appropriate rule  provision(s)
relied upon to terminate or suspend the duty to file reports:

Rule 12g-4(a)(1)(i)  [X]* Rule  12g-4(a)(2)(ii) [ ]   Rule 12h-3(b)(2)(i)   [ ]
Rule 12g-4(a)(1)(ii) [ ]  Rule  12h-3(b)(1)(i)  [X]*  Rule  12h-3(b)(2)(ii) [ ]
Rule 12g-4(a)(2)(i)  [ ]  Rule 12h-3(b)(1)(ii)  [ ]   Rule 15d-6            [ ]


Approximate number of holders of record as of the certification or notice date:
None

*First  Liberty  Financial  Corp.  was merged with and into BB&T  Corporation on
November 19, 1999.

<PAGE>

    Pursuant to the  requirements  of the Securities  Exchange Act of 1934, BB&T
Corporation,  the  successor by merger to First  Liberty  Financial  Corp.,  has
caused this  certification/notice  to be signed on its behalf by the undersigned
duly authorized person.


DATE: December 8, 1999             BB&T CORPORATION

                                   By: /s/ Jerone C. Herring
                             Name: Jerone C. Herring
                                   Title: Executive Vice President and Secretary

<PAGE>

                         [BB&T Corporation letterhead]




December 8, 1999


VIA EDGAR
Securities and Exchange Commission
450 Fifth Street
Washington D.C. 20549

         Re:      First Liberty Financial Corp. -- Form 15

Ladies and Gentlemen:

     On behalf of First Liberty Financial Corp. (the "Company"), and pursuant to
Rules 12g-4 and 12h-3 under the Securities  Exchange Act of 1934 and Rule 10l(a)
of  Regulation  S-T,  we are  transmitting  via EDGAR a Form 15  relating to the
deregistration of the Company's common stock, par value $1.00 per share.

     If you have any  questions  regarding  this  Form 15,  please  contact  the
undersigned at (336) 733-2180.

                                 Very truly yours,

                                 BB&T CORPORATION


                            By: /s/ Jerone C. Herring
                                 Name:    Jerone C. Herring
                                 Title:   Executive Vice President and Secretary



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