Exhibit 99(b) STOCK OPTION AGREEMENT THIS STOCK OPTION AGREEMENT (this "Agreement") is made and entered into as of November 7, 2001, by and between AREA BANCSHARES CORPORATION, a Kentucky corporation ("Area" or "Issuer"), and BB&T CORPORATION, a North...Stock Option Agreement • December 18th, 2001 • Bb&t Corp • National commercial banks • North Carolina
