<SUBMISSION>
<ACCESSION-NUMBER>0001193125-03-065276
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20031021
<ITEMS>12
<ITEMS>7
<FILING-DATE>20031022
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>FULTON FINANCIAL CORP
<CIK>0000700564
<ASSIGNED-SIC>6021
<IRS-NUMBER>232195389
<STATE-OF-INCORPORATION>PA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-10587
<FILM-NUMBER>03951447
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>ONE PENN SQ
<STREET2>PO BOX 4887
<CITY>LANCASTER
<STATE>PA
<ZIP>17604
<PHONE>7172912411
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>ONE PENN SQ
<STREET2>PO BOX 4887
<CITY>LANCASTER
<STATE>PA
<ZIP>17604
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d8k.txt
<DESCRIPTION>FULTON FINANCIAL
<TEXT>
<PAGE>


                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D. C. 20459

                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                     the Securities and Exchange Act of 1934

                                 Date of Report:
                                October 21, 2003

                          FULTON FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)

Pennsylvania                            0-010587                 23-2195389
(State or other jurisdiction        (Commission File           (IRS Employer
of incorporation)                        Number)          Identification Number)



One Penn Square, PO Box 4887 Lancaster, Pennsylvania                  17604
(Address of principal executive offices)                           (Zip Code)


                                 (717) 291-2411
              (Registrant's telephone number, including area code)

<PAGE>

ITEM 7.      EXHIBITS

Exhibit No.     Description
-----------     -----------

99.1            Earnings Release dated October 21, 2003
99.2            Supplemental financial information for the quarter ended
                September 30, 2003


ITEM 12.     RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On October 21, 2003 Fulton Financial Corporation announced its earnings for the
third quarter and first nine months of 2003. A copy of the earnings release is
attached as Exhibit 99.1 to this report. Supplemental financial information
included with the earnings release is attached as Exhibit 99.2 to this report.


                                    SIGNATURE

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.


FULTON FINANCIAL CORPORATION


Date:     October 21, 2003                      /s/ Charles J. Nugent
       ----------------------------             --------------------------------
                                                Charles J. Nugent
                                                Senior Executive Vice President
                                                and Chief Financial Officer

                                       2

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>dex99.txt
<DESCRIPTION>FULTON FINANCIAL EXHIBIT 99.1
<TEXT>
<PAGE>

                                  Exhibit 99.1

                          Fulton Financial Corporation
                                 (Logo Omitted)

FOR IMMEDIATE RELEASE                                 Contact: Laura J. Wakeley
Full text available on PR Newswire                    Phone:   717-291-2739


Fulton Financial net income per share up 3.2% in third quarter

     (October 21) - Lancaster, PA -- Fulton Financial Corp. (Nasdaq: FULT)
earned $34.4 million in the third quarter of 2003, resulting in a 3.2 percent
increase in diluted net income per share, up to 32 cents in 2003 from 31 cents
in 2002. Net income increased 1.7 percent over the $33.8 million reported for
the third quarter of 2002. Annualized return on average assets was 1.51 percent
for the quarter and annualized return on average equity was 14.79 percent.

     The Lancaster, Pennsylvania-based financial holding company reported net
income of $102.5 million for the nine months ended September 30, 2003, a 3.5
percent increase over the same period in 2002. Net income per share for the
first nine months of 2003 increased to 96 cents, a 5.5 percent increase over the
91 cents reported in 2002.

     "While low rates during the quarter continued to impact our net interest
income, we were able to sustain our recent strong levels of mortgage banking
activity and related non-interest income," said Rufus A. Fulton, Jr., chairman
and chief executive officer. "Asset quality improved from the same quarter in
2002, resulting in a lower provision for loan losses. Our investment management
and trust services subsidiary, Fulton Financial Advisors, continued to benefit
from positive trends in the equity markets. These trends also enabled us to
generate additional gains from the sale of equity positions within our
investment portfolio. During the quarter, we completed our acquisition of
Doylestown, Pa.-based Premier Bancorp, Inc. and its banking subsidiary, Premier
Bank, which will allow us to expand our core banking business into contiguous
growth markets. The financial results of Premier are included in Fulton
Financial's results from the August 1, 2003 acquisition date."

     Net interest income decreased $4.1 million, or 5.2 percent, compared to the
third quarter of 2002. Fulton Financial's net interest margin was 3.62% for the
third quarter of 2003 and 4.33% for the same period in 2002. The decline
resulted from average yields on earning assets decreasing further than the
average cost of deposits.

                                       3

<PAGE>

     Total deposits increased $575 million, or 9.2 percent, to $6.8 billion at
September 30, 2003, compared to $6.3 billion at September 30, 2002. Demand and
savings accounts increased $660 million, or 18.1 percent, to $4.3 billion, while
time deposits decreased $85 million, or 3.2 percent, to $2.5 billion. Overall
deposit growth resulted mainly from the acquisition of Premier Bank, which added
$453 million to total deposits.

     Loans, net of unearned income, increased $515 million, or 9.7 percent, to
$5.8 billion at September 30, 2003, compared to $5.3 billion at September 30,
2002. Commercial loans and mortgages increased $583 million, or 17.5 percent,
while residential mortgages decreased $144 million, or 22.4 percent, due to
refinance activity and sales of loans into the secondary market. Premier Bank
contributed $367 million to the total increase, predominantly in commercial
mortgages. Excluding Premier Bank, Fulton Financial realized a $149 million
increase in loans, net of unearned income, exceeding the growth realized in
recent quarters.

     Non-performing assets were 0.41 percent of total assets at September 30,
2003, an improvement from 0.58 percent of total assets at September 30, 2002.
Annualized net charge-offs for the quarter ended September 30, 2003 were 0.14
percent of average total loans, compared to 0.33 percent for the same period of
2002. For the nine months ended September 30, 2003, net charge-offs were 0.17
percent of average loans, compared to 0.22 percent for 2002. These ratios
improved mainly as a result of a specific problem commercial relationship in
2002 which has since been paid off.

     Other income increased $1.8 million, or 6.3 percent, to $30.5 million in
the third quarter of 2003, driven by investment management and trust services,
which increased $1.6 million, or 23.8 percent. Mortgage sale gains also remained
strong as low rates prevailed during most of the quarter. The increase in
mortgage banking income over 2002 was $293,000, or 5.0 percent, as mortgage
refinance activity also had a significant positive impact on 2002 income.
Premier Bank did not have a significant impact on other income for the quarter.

     Other expenses increased $3.0 million, or 5.3 percent, to $59.6 million in
the third quarter of 2003, compared to $56.6 million in the same period of 2002.
Excluding Premier Bank, expenses increased $1.1 million, or 2.0%.

     Fulton Financial Corporation is a $9.3 billion Lancaster,
Pennsylvania-based financial holding company which operates 199 banking offices
in Pennsylvania, Maryland, Delaware and New Jersey through the following
affiliates: Fulton Bank, Lancaster, PA; Lebanon Valley Farmers Bank, Lebanon,
PA; Swineford National Bank, Middleburg, PA; Lafayette Ambassador Bank, Easton,
PA; FNB Bank, N.A., Danville, PA; Hagerstown Trust, Hagerstown, MD; Delaware

                                       4

<PAGE>

National Bank, Georgetown, DE; The Bank, Woodbury, NJ; The Peoples Bank of
Elkton, Elkton, MD, Skylands Community Bank, Hackettstown, NJ, and Premier Bank,
Doylestown, PA.

     The Corporation's financial services affiliates include Fulton Financial
Advisors, N.A., Lancaster, PA; Fulton Insurance Services Group, Inc. Lancaster,
PA; and Dearden, Maguire, Weaver and Barrett, LLP, West Conshohocken, PA.

     Residential mortgage lending is offered by all banks through Fulton
Mortgage Company.

     In August, the Corporation announced that it had signed an agreement to
acquire Resource Bankshares Corporation, headquartered in Virginia Beach,
Virginia. Resource Bankshares banking subsidiary, Resource Bank, with
approximately $860 million in assets, operates six community banking offices in
Newport News, Chesapeake, Herndon, Virginia Beach (two locations) and Richmond
in Virginia. In addition, the Corporation operates 14 additional loan production
and residential mortgage offices in Virginia, North Carolina, Maryland and
Florida. The acquisition is expected to be completed on or before April 1, 2004.

     Additional information on Fulton Financial Corporation is available on the
Internet at www.fult.com.

Safe Harbor Statement:

This news release may contain forward-looking statements about Fulton Financial
Corporation's future financial performance. Forward-looking statements are
encouraged by the Private Securities Litigation Reform Act of 1995.

Such forward-looking information is based upon certain underlying assumptions,
risks and uncertainties. Because of the possibility of change in the underlying
assumptions, actual results could differ materially from these forward-looking
statements. Risks and uncertainties that may affect future results include:
pricing pressures on loans and deposits, actions of bank and non-bank
competitors, changes in local and national economic conditions, changes in
regulatory requirements, actions of the Federal Reserve Board, the Corporation's
success in merger and acquisition integration, and customers' acceptance of the
Corporation's products and services.

                                      # # #

2003

                                       5

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>4
<FILENAME>dex991.txt
<DESCRIPTION>FULTON FINANCIAL EX99.2
<TEXT>
<PAGE>

                                                                    Exhibit 99.2


FULTON FINANCIAL CORPORATION
FINANCIAL HIGHLIGHTS (UNAUDITED)

<TABLE>
<CAPTION>
                                                                Quarter Ended
                                                                September 30                       Variance
                                                       ------------------------------    -----------------------------
                                                           2003             2002               $               %
                                                       --------------    ------------    --------------    -----------
INCOME SUMMARY:                                                  (in thousands, except per-share data)
---------------
<S>                                                    <C>               <C>             <C>               <C>
     Interest income                                    $   105,907     $   117,156       $   (11,249)          -9.6%
     Interest expense                                        32,128          39,318            (7,190)         -18.3%
                                                        -----------     -----------       -----------
        Net Interest Income                                  73,779          77,838            (4,059)          -5.2%
     Provision for loan losses                                2,190           4,370            (2,180)         -49.9%
     Investment securities gains                              6,990           2,677             4,313          161.1%
     Other income                                            30,523          28,723             1,800            6.3%
     Other expenses                                          59,550          56,573             2,977            5.3%
                                                        -----------     -----------       -----------
        Income Before Income Taxes                           49,552          48,295             1,257            2.6%
     Income taxes                                            15,170          14,474               696            4.8%
                                                        -----------     -----------       -----------
        Net Income                                      $    34,382     $    33,821       $       561            1.7%
                                                        ===========     ===========       ===========
Fully taxable equivalent (FTE) net interest income      $    76,242     $    80,163       $    (3,921)          -4.9%

PER-SHARE DATA:
---------------
     Net Income:
        Basic                                           $      0.32     $      0.31       $      0.01            3.2%
        Diluted                                                0.32            0.31              0.01            3.2%
     Cash Dividends                                           0.160           0.143             0.017           11.9%

ENDING BALANCES:
----------------
     Total assets                                       $ 9,297,946     $ 8,103,690       $ 1,194,256           14.7%
     Loans, net of unearned income                        5,844,788       5,329,501           515,287            9.7%
     Deposits                                             6,834,167       6,259,204           574,963            9.2%
     Short-term borrowings                                  806,814         384,316           422,498          109.9%
     Long-term debt                                         626,841         456,396           170,445           37.3%
     Shareholders' equity                                   927,476         853,193            74,283            8.7%

AVERAGE BALANCES:
-----------------
     Total assets                                       $ 9,016,543     $ 7,937,303       $ 1,079,240           13.6%
     Loans, net of unearned income                        5,683,795       5,378,685           305,110            5.7%
     Deposits                                             6,704,347       6,139,954           564,393            9.2%
     Short-term borrowings                                  695,550         387,159           308,391           79.7%
     Long-term debt                                         595,466         456,602           138,864           30.4%
     Shareholders' equity                                   922,586         858,673            63,913            7.4%
</TABLE>


<PAGE>

FULTON FINANCIAL CORPORATION
FINANCIAL HIGHLIGHTS (UNAUDITED)

<TABLE>
<CAPTION>
                                                              Nine Months Ended
                                                                September 30                       Variance
                                                       ------------------------------    -----------------------------
                                                           2003             2002               $               %
                                                       --------------    ------------    --------------    -----------
INCOME SUMMARY:                                                  (in thousands, except per-share data)
---------------
<S>                                                    <C>               <C>             <C>               <C>
     Interest income                                    $  323,257         $  353,842      $  (30,585)         -8.6%
     Interest expense                                       99,470            120,116         (20,646)        -17.2%
                                                        ----------         ----------      ----------
        Net Interest Income                                223,787            233,726          (9,939)         -4.3%
     Provision for loan losses                               7,515              9,830          (2,315)        -23.6%
     Investment securities gains                            14,028              6,047           7,981         132.0%
     Other income                                           89,684             78,755          10,929          13.9%
     Other expenses                                        173,497            168,005           5,492           3.3%
                                                        ----------         ----------      ----------
        Income Before Income Taxes                         146,487            140,693           5,794           4.1%
     Income taxes                                           44,000             41,652           2,348           5.6%
                                                        ----------         ----------      ----------
        Net Income                                      $  102,487         $   99,041      $    3,446           3.5%
                                                        ==========         ==========      ==========
Fully taxable equivalent (FTE) net interest income      $  231,077         $  240,564      $   (9,487)         -3.9%

PER-SHARE DATA:
---------------
     Net Income:
        Basic                                           $     0.96         $     0.92      $     0.04           4.3%
        Diluted                                               0.96               0.91            0.05           5.5%
     Cash Dividends                                          0.463              0.415           0.048          11.6%

AVERAGE BALANCES:
-----------------
     Total assets                                       $8,576,394         $7,808,880      $  767,514           9.8%
     Loans, net of unearned income                       5,473,055          5,398,395          74,660           1.4%
     Deposits                                            6,401,222          5,991,270         409,952           6.8%
     Short-term borrowings                                 634,745            425,280         209,465          49.3%
     Long-term debt                                        559,129            459,402          99,727          21.7%
     Shareholders' equity                                  884,400            834,431          49,969           6.0%
</TABLE>

<PAGE>

FULTON FINANCIAL CORPORATION
FINANCIAL HIGHLIGHTS (UNAUDITED)

<TABLE>
<CAPTION>
                                                             Quarter Ended
                                                     ----------------------------
                                                     September 30      June 30                 Variance
                                                                                     -----------------------------
                                                         2003            2003             $                %
                                                     ------------    ------------    ------------     ------------
INCOME SUMMARY:                                                (in thousands, except per-share data)
---------------
<S>                                                  <C>             <C>             <C>                   <C>
     Interest income                                 $    105,907    $    107,166    $     (1,259)        -1.2%
     Interest expense                                      32,128          32,796            (668)        -2.0%
                                                     ------------    ------------    ------------
        Net Interest Income                                73,779          74,370            (591)        -0.8%
     Provision for loan losses                              2,190           2,490            (300)       -12.0%
     Investment securities gains                            6,990           4,809           2,181         45.4%
     Other income                                          30,523          29,725             798          2.7%
     Other expenses                                        59,550          58,065           1,485          2.6%
                                                     ------------    ------------    ------------
        Income Before Income Taxes                         49,552          48,349           1,203          2.5%
     Income taxes                                          15,170          14,287             883          6.2%
                                                     ------------    ------------    ------------
        Net Income                                   $     34,382    $     34,062    $        320          0.9%
                                                     ============    ============    ============

Fully taxable equivalent (FTE) net interest income   $     76,242    $     76,774    $       (532)        -0.7%

PER-SHARE DATA:
---------------
     Net Income:
        Basic                                        $       0.32            0.32    $          -          0.0%
        Diluted                                              0.32            0.32               -          0.0%

     Cash Dividends                                         0.160           0.160               -          0.0%

ENDING BALANCES:
----------------
     Total assets                                    $  9,297,946    $  8,619,287    $    678,659          7.9%
     Loans, net of unearned income                      5,844,788       5,391,398         453,390          8.4%
     Deposits                                           6,834,167       6,437,023         397,144          6.2%
     Short-term borrowings                                806,814         599,995         206,819         34.5%
     Long-term debt                                       626,841         534,456          92,385         17.3%
     Shareholders' equity                                 927,476         873,659          53,817          6.2%

AVERAGE BALANCES:
-----------------
     Total assets                                    $  9,016,543    $  8,422,985    $    593,558          7.0%
     Loans, net of unearned income                      5,683,795       5,384,692         299,103          5.6%
     Deposits                                           6,704,347       6,324,543         379,804          6.0%
     Short-term borrowings                                695,550         596,312          99,238         16.6%
     Long-term debt                                       595,466         540,413          55,053         10.2%
     Shareholders' equity                                 922,586         865,336          57,250          6.6%
</TABLE>

<PAGE>

FULTON FINANCIAL CORPORATION
CONSOLIDATED ENDING BALANCE SHEET (UNAUDITED)

<TABLE>
<CAPTION>
                                                                September 30
                                                         --------------------------
                                                            2003           2002
                                                         -----------    -----------
                                                              (in thousands)
<S>                                                      <C>            <C>
ASSETS
------
     Cash and due from banks                             $   333,253    $   311,611
     Interest-bearing deposits                                 7,514          4,830
     Federal funds sold                                       17,657              -
     Mortgage loans held for sale                             53,707         44,500
     Investment securities                                 2,705,463      2,149,118
     Loans, net of unearned income                         5,844,788      5,329,501
     Less: Allowance for loan losses                         (77,857)       (72,689)
                                                         -----------    -----------
        Net Loans                                          5,766,931      5,256,812
     Premises and equipment                                  121,822        122,718
     Accrued interest receivable                              31,385         40,533
     Goodwill                                                126,026         61,048
     Other assets                                            134,188        112,520
                                                         -----------    -----------
        Total Assets                                     $ 9,297,946    $ 8,103,690
                                                         ===========    ===========

LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
     Deposits:
        Noninterest bearing                              $ 1,259,811    $ 1,122,212
        Interest-bearing                                   5,574,356      5,136,992
                                                         -----------    -----------
        Total Deposits                                     6,834,167      6,259,204

     Short-term borrowings:
        Securities sold under agreements to repurchase       396,744        328,176
        Federal funds purchased                              405,000         50,500
        Demand notes of U.S. Treasury                          5,070          5,640
                                                         -----------    -----------
        Total Short-Term Borrowings                          806,814        384,316
     Accrued interest payable                                 26,766         30,458
     Other liabilities                                        75,882        120,123
     Long-term debt                                          626,841        456,396
                                                         -----------    -----------
        Total Liabilities                                  8,370,470      7,250,497
                                                         -----------    -----------

     Shareholders' equity:
       Common stock                                          284,962        259,943
       Additional paid in capital                            636,934        481,188
       Retained earnings                                      99,014        119,723
       Accumulated other comprehensive income                  4,569         27,414
       Less: Treasury stock, at cost                         (98,003)       (35,075)
                                                         -----------    -----------
        Total Shareholders' Equity                           927,476        853,193
                                                         -----------    -----------
        Total Liabilities and Shareholders' Equity       $ 9,297,946    $ 8,103,690
                                                         ===========    ===========

LOANS AND DEPOSITS DETAIL:
--------------------------
Loans, by type:
     Commercial, financial and agricultural              $ 1,723,713    $ 1,606,895
     Real estate - construction                              309,122        242,519
     Real estate - mortgage                                3,207,063      2,838,764
     Consumer                                                537,512        564,992
     Leasing and other                                        67,378         76,331
                                                         -----------    -----------
     Total Loans, net of unearned income                 $ 5,844,788    $ 5,329,501
                                                         ===========    ===========

Deposits, by type:
     Noninterest-bearing demand                          $ 1,259,811    $ 1,122,212
     Interest-bearing demand                               1,266,762        991,931
     Savings deposits                                      1,770,143      1,522,634
     Time deposits                                         2,537,451      2,622,427
                                                         -----------    -----------
     Total Deposits                                      $ 6,834,167    $ 6,259,204
                                                         ===========    ===========
</TABLE>

<PAGE>

FULTON FINANCIAL CORPORATION
CONSOLIDATED INCOME STATEMENT (UNAUDITED)

<TABLE>
<CAPTION>
                                                           Quarter Ended               Nine Months Ended
                                                           September 30                  September 30
                                                   ---------------------------     --------------------------
                                                     2003               2002         2003              2002
                                                   ---------          --------     --------          --------
                                                                        (in thousands)
<S>                                                 <C>               <C>         <C>                <C>
Interest Income:
     Loans, including fees                          $ 85,159          $ 92,072     $254,812          $280,977
     Investment securities:
        Taxable                                       16,512            21,489       55,636            62,303
        Tax-exempt                                     2,740             2,489        7,786             7,361
        Dividends                                        904             1,015        3,205             2,971
     Other interest income                               592                91        1,818               230
                                                    --------          --------     --------          --------
        Total Interest Income                        105,907           117,156      323,257           353,842

Interest Expense:
     Deposits                                         22,773            31,353       72,480            95,767
     Short-term borrowings                             1,515             1,510        4,960             5,080
     Long-term debt                                    7,840             6,455       22,030            19,269
                                                    --------          --------     --------          --------
        Total Interest Expense                        32,128            39,318       99,470           120,116
                                                    --------          --------     --------          --------
        Net Interest Income                           73,779            77,838      223,787           233,726
     Provision for Loan Losses                         2,190             4,370        7,515             9,830
                                                    --------          --------     --------          --------
        Net Interest Income after Provision           71,589            73,468      216,272           223,896

Other Income:
     Investment management & trust services            8,527             6,890       25,679            21,633
     Service charges on deposit accounts               9,810             9,506       28,527            27,590
     Other service charges and fees                    4,782             4,693       14,076            13,071
     Mortgage banking income                           6,100             5,807       17,892            11,871
     Investment securities gains                       6,990             2,677       14,028             6,047
     Other                                             1,304             1,827        3,510             4,590
                                                    --------          --------     --------          --------
        Total Other Income                            37,513            31,400      103,712            84,802

Other Expenses:
     Salaries and employee benefits                   35,516            33,336      103,330            97,001
     Net occupancy expense                             4,982             4,556       14,869            13,111
     Equipment expense                                 2,618             2,859        7,886             8,374
     Data processing                                   2,864             3,018        8,504             9,181
     Advertising                                       1,570             1,336        4,589             4,989
     Intangible amortization                             622               359        1,341             1,078
     Other                                            11,378            11,109       32,978            34,271
                                                    --------          --------     --------          --------
        Total Other Expenses                          59,550            56,573      173,497           168,005
                                                    --------          --------     --------          --------
        Income Before Income Taxes                    49,552            48,295      146,487           140,693
     Income Taxes                                     15,170            14,474       44,000            41,652
                                                    --------          --------     --------          --------
        Net Income                                  $ 34,382          $ 33,821     $102,487          $ 99,041
                                                    ========          ========     ========          ========
</TABLE>

<PAGE>

FULTON FINANCIAL CORPORATION
PER-SHARE INFORMATION AND SELECTED FINANCIAL RATIOS (UNAUDITED)

<TABLE>
<CAPTION>
                                                                 Quarter Ended                 Nine Months Ended
                                                                 September 30                   September 30
                                                           ------------------------     ---------------------------
                                                              2003         2002             2003           2002
                                                           ---------    -----------     -----------     -----------
<S>                                                        <C>          <C>             <C>             <C>
PER-SHARE INFORMATION:
----------------------
     Net income:
        Basic                                              $    0.32    $      0.31     $      0.96     $      0.92
        Diluted                                                 0.32           0.31            0.96            0.91

     Cash Dividends                                        $   0.160    $     0.143     $     0.463     $     0.415
     Book Value                                                 8.54           7.97               -               -
     Tangible Book Value                                        7.23           7.29               -               -

     Weighted average shares (basic)                         107,856        107,983         106,412         108,222
     Weighted average shares (diluted)                       108,731        108,703         107,189         108,962
     Shares outstanding, end of period                       108,561        107,075               -               -

FINANCIAL RATIOS:
-----------------
     Return on Average Assets                                   1.51%          1.69%           1.60%           1.70%
     Return on Average Equity                                  14.79%         15.63%          15.49%          15.87%
     Net Interest Margin                                        3.62%          4.33%           3.86%           4.42%
     Efficiency Ratio                                           55.2%          51.6%           53.7%           52.3%
     Average Equity to Average Assets                           10.2%          10.8%           10.3%           10.7%
</TABLE>

<PAGE>

FULTON FINANCIAL CORPORATION
CONSOLIDATED AVERAGE BALANCE SHEET (UNAUDITED)

<TABLE>
<CAPTION>
                                                             Quarter Ended                Nine Months Ended
                                                             September 30                   September 30
                                                     ---------------------------     ---------------------------
                                                        2003            2002            2003            2002
                                                     -----------     -----------     -----------     -----------
ASSETS                                                                     (In thousands)
------
<S>                                                  <C>             <C>             <C>             <C>
     Interest-earning assets:
        Loans and leases                             $ 5,683,795     $ 5,378,685     $ 5,473,055     $ 5,398,395
        Taxable investment securities                  2,218,352       1,627,876       2,074,947       1,519,411
        Tax-exempt investment securities                 287,297         233,740         260,266         228,753
        Equity securities                                128,064         115,390         129,895         109,197
        Short-term investments                            51,398          19,891          48,960          16,895
                                                     -----------     -----------     -----------     -----------
        Total Interest-Earning Assets                  8,368,906       7,375,582       7,987,123       7,272,651

     Non-interest earning assets:
        Cash and due from banks                          302,248         262,971         279,650         248,964
        Premises and equipment                           125,835         123,775         123,681         123,834
        Other assets                                     296,300         249,111         260,122         236,649
        Less: Allowance for loan losses                  (76,746)        (74,136)        (74,182)        (73,218)
                                                     -----------     -----------     -----------     -----------
        Total Assets                                 $ 9,016,543     $ 7,937,303     $ 8,576,394     $ 7,808,880
                                                     ===========     ===========     ===========     ===========

LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
     Interest-bearing liabilities:
        Demand deposits                              $ 1,213,594     $   939,683     $ 1,116,959     $   870,078
        Savings deposits                               1,709,803       1,534,828       1,614,721       1,506,714
        Time deposits                                  2,522,767       2,599,115       2,498,711       2,577,925
                                                     -----------     -----------     -----------     -----------
        Total Interest-Bearing Deposits                5,446,164       5,073,626       5,230,391       4,954,717
        Short-term borrowings                            695,550         387,159         634,745         425,280
        Long-term debt                                   595,466         456,602         559,129         459,402
                                                     -----------     -----------     -----------     -----------
        Total Interest-Bearing Liabilities             6,737,180       5,917,387       6,424,265       5,839,399

     Noninterest-bearing liabilities:
        Demand deposits                                1,258,183       1,066,328       1,170,831       1,036,553
        Other                                             98,594          94,915          96,898          98,497
                                                     -----------     -----------     -----------     -----------
        Total Liabilities                              8,093,957       7,078,630       7,691,994       6,974,449
     Shareholders' equity                                922,586         858,673         884,400         834,431
                                                     -----------     -----------     -----------     -----------
        Total Liabilities and Shareholders' Equity   $ 9,016,543     $ 7,937,303     $ 8,576,394     $ 7,808,880
                                                     ===========     ===========     ===========     ===========

AVERAGE YIELDS ON INTEREST-EARNING ASSETS:
------------------------------------------
     Loans and leases                                       5.94%           6.79%           6.22%           6.96%
     Taxable investment securities                          2.95%           5.24%           3.58%           5.48%
     Tax-exempt investment securities                       3.78%           4.22%           4.00%           4.30%
     Equity securities                                      2.80%           3.49%           3.30%           3.64%
     Short-term investments                                 4.57%           1.82%           4.96%           1.82%
                                                     -----------     -----------     -----------     -----------
             Total Interest-Earning Assets                  5.02%           6.30%           5.41%           6.50%
                                                     ===========     ===========     ===========     ===========

AVERAGE COSTS OF INTEREST-BEARING LIABILITIES:
----------------------------------------------
     Demand deposits                                        0.47%           0.83%           0.54%           0.71%
     Savings deposits                                       0.57%           1.12%           0.67%           1.13%
     Time deposits                                          2.97%           3.82%           3.20%           4.07%
     Short-term borrowings                                  0.86%           1.55%           1.04%           1.60%
     Long-term debt                                         5.22%           5.61%           5.27%           5.61%
                                                     -----------     -----------     -----------     -----------
             Total Interest-Bearing Liabilities             1.89%           2.64%           2.07%           2.75%
                                                     ===========     ===========     ===========     ===========

NET INTEREST MARGIN (FTE)                                   3.62%           4.33%           3.86%           4.42%
                                                     ===========     ===========     ===========     ===========
</TABLE>

<PAGE>

FULTON FINANCIAL CORPORATION
LOAN QUALITY INFORMATION (UNAUDITED)

<TABLE>
<CAPTION>
                                                      Quarter Ended        Nine Months Ended
                                                      September 30            September 30
                                                  --------------------    --------------------
                                                    2003        2002        2003        2002
                                                  --------    --------    --------    --------
                                                                 (in thousands)
  <S>                                             <C>         <C>         <C>         <C>
  Gross Charge-offs                               $  2,854    $  5,297    $  9,765    $ 11,860
  Recoveries                                           807         815       2,713       2,847
                                                  --------    --------    --------    --------
     Net Charge-offs                              $  2,047    $  4,482    $  7,052    $  9,013
                                                  ========    ========    ========    ========

  Net Charge-offs to average loans                    0.14%       0.33%       0.17%       0.22%
                                                  --------    --------    --------    --------

  Non-Accrual Loans                               $ 27,155    $ 29,698
  Accruing Loans 90+ Days Overdue                   10,286      15,872
  Other Real Estate Owned                              952       1,614
                                                  --------    --------
     Total Non-Performing Assets                  $ 38,393    $ 47,184
                                                  ========    ========

  Non-accrual loans to total loans                    0.46%       0.56%
  Non-performing assets to total loans and OREO       0.66%       0.89%
  Non-performing assets to total assets               0.41%       0.58%
  Allowance to Loans                                  1.33%       1.36%
</TABLE>

<PAGE>


FULTON FINANCIAL CORPORATION
CONSOLIDATED INCOME STATEMENT (UNAUDITED)

                                                             Quarter Ended
                                                        ------------------------
                                                        September 30     June 30
                                                            2003          2003
                                                        -----------     --------
                                                              (in thousands)
Interest Income:
     Loans, including fees                                 $ 85,159     $ 84,541
     Investment securities:
        Taxable                                              16,512       18,390
        Tax-exempt                                            2,740        2,526
        Dividends                                               904        1,153
     Other interest income                                      592          556
                                                           --------     --------
        Total Interest Income                               105,907      107,166
Interest Expense:
     Deposits                                                22,773       24,000
     Short-term borrowings                                    1,515        1,692
     Long-term debt                                           7,840        7,104
                                                           --------     --------
        Total Interest Expense                               32,128       32,796
                                                           --------     --------
        Net Interest Income                                  73,779       74,370
     Provision for Loan Losses                                2,190        2,490
                                                           --------     --------
        Net Interest Income after Provision                  71,589       71,880
Other Income:
     Investment management & trust services                   8,527        8,809
     Service charges on deposit accounts                      9,810        9,501
     Other service charges and fees                           4,782        4,708
      Mortgage banking income                                 6,100        5,841
     Investment securities gains                              6,990        4,809
     Other                                                    1,304          866
                                                           --------     --------
        Total Other Income                                   37,513       34,534
Other Expenses:
     Salaries and employee benefits                          35,516       34,494
     Net occupancy expense                                    4,982        4,807
     Equipment expense                                        2,618        2,588
     Data processing                                          2,864        2,776
     Advertising                                              1,570        1,787
     Intangible amortization                                    622          360
     Other                                                   11,378       11,253
                                                           --------     --------
        Total Other Expenses                                 59,550       58,065
                                                           --------     --------
        Income Before Income Taxes                           49,552       48,349
     Income Taxes                                            15,170       14,287
                                                           --------     --------
        Net Income                                         $ 34,382     $ 34,062
                                                           ========     ========

<PAGE>


FULTON FINANCIAL CORPORATION
PER-SHARE INFORMATION AND SELECTED FINANCIAL RATIOS (UNAUDITED)

                                                             Quarter Ended
                                                        ------------------------
                                                        September 30     June 30
                                                            2003          2003
                                                        ------------     -------

PER-SHARE INFORMATION:
----------------------
     Net income:
        Basic                                             $    0.32    $   0.32
        Diluted                                                0.32        0.32

     Cash Dividends                                       $   0.160    $  0.160
     Book Value                                                8.54        8.29
     Tangible Book Value                                       7.23        7.61

     Weighted average shares (basic)                        107,856     105,437
     Weighted average shares (diluted)                      108,731     106,178
     Shares outstanding, end of period                      108,561     105,358

FINANCIAL RATIOS:
-----------------
     Return on Average Assets                                  1.51%       1.62%
     Return on Average Equity                                 14.79%      15.79%
     Net Interest Margin                                       3.62%       3.91%
     Efficiency Ratio                                          55.2%       54.2%
     Average Equity to Average Assets                          10.2%       10.3%

<PAGE>


FULTON FINANCIAL CORPORATION
CONSOLIDATED AVERAGE BALANCE SHEET (UNAUDITED)

<TABLE>
<CAPTION>
                                                           Quarter Ended
                                                    ----------------------------
                                                     September 30     June 30
                                                        2003            2003
                                                    ------------     -----------
ASSETS                                                       (In thousands)
------
<S>                                                 <C>              <C>
     Interest-earning assets:
        Loans and leases                             $ 5,683,795     $ 5,384,692
        Taxable investment securities                  2,218,352       2,044,602
        Tax-exempt investment securities                 287,297         251,813
        Equity securities                                128,064         128,378
        Short-term investments                            51,398          40,526
                                                     -----------     -----------
        Total Interest-Earning Assets                  8,368,906       7,850,011

     Non-interest earning assets:
        Cash and due from banks                          302,248         278,657
        Premises and equipment                           125,835         121,811
        Other assets                                     296,300         245,293
        Less: Allowance for loan losses                  (76,746)        (72,787)
                                                     -----------     -----------
        Total Assets                                 $ 9,016,543     $ 8,422,985
                                                     ===========     ===========

LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
     Interest-bearing liabilities:
        Demand deposits                              $ 1,213,594     $ 1,085,855
        Savings deposits                               1,709,803       1,596,578
        Time deposits                                  2,522,767       2,461,038
                                                     -----------     -----------
        Total Interest-Bearing Deposits                5,446,164       5,143,471

        Short-term borrowings                            695,550         596,312
        Long-term debt                                   595,466         540,413
                                                     -----------     -----------
        Total Interest-Bearing Liabilities             6,737,180       6,280,196

     Noninterest-bearing liabilities:
        Demand deposits                                1,258,183       1,181,072
        Other                                             98,594          96,381
                                                     -----------     -----------
        Total Liabilities                              8,093,957       7,557,649

     Shareholders' equity                                922,586         865,336
                                                     -----------     -----------
        Total Liabilities and Shareholders' Equity   $ 9,016,543     $ 8,422,985
                                                     ===========     ===========

AVERAGE YIELDS ON INTEREST-EARNING ASSETS:
------------------------------------------
     Loans and leases                                       5.94%           6.30%
     Taxable investment securities                          2.95%           3.61%
     Tax-exempt investment securities                       3.78%           4.02%
     Equity securities                                      2.80%           3.60%
     Short-term investments                                 4.57%           5.50%
                                                     -----------     -----------
             Total Interest-Earning Assets                  5.02%           5.48%
                                                     ===========     ===========


AVERAGE COSTS OF INTEREST-BEARING LIABILITIES:
----------------------------------------------
     Demand deposits                                        0.47%           0.55%
     Savings deposits                                       0.57%           0.69%
     Time deposits                                          2.97%           3.22%
     Short-term borrowings                                  0.86%           1.14%
     Long-term debt                                         5.22%           5.27%
                                                     -----------     -----------
             Total Interest-Bearing Liabilities             1.89%           2.09%
                                                     ===========     ===========
NET INTEREST MARGIN (FTE)                                   3.62%           3.91%
                                                     ===========     ===========
</TABLE>


<PAGE>


FULTON FINANCIAL CORPORATION
LOAN QUALITY INFORMATION (UNAUDITED)

                                                          Quarter Ended
                                                   -------------------------
                                                   September 30      June 30
                                                      2003            2003
                                                   ------------     --------
                                                           (in thousands)

Gross Charge-offs                                     $ 2,854        $ 2,962
Recoveries                                                807            926
                                                      -------        -------
   Net Charge-offs                                    $ 2,047        $ 2,036
                                                      =======        =======

Net Charge-offs to average loans                         0.14%          0.15%
                                                      -------        -------

Non-Accrual Loans                                     $27,155        $26,811
Accruing Loans 90+ Days Overdue                        10,286         11,266
Other Real Estate Owned                                   952            808
                                                      -------        -------
   Total Non-Performing Assets                        $38,393        $38,885
                                                      =======        =======

Non-accrual loans to total loans                         0.46%          0.50%
Non-performing assets to total loans and OREO            0.66%          0.72%
Non-performing assets to total assets                    0.41%          0.45%
Allowance to Loans                                       1.33%          1.34%



</TEXT>
</DOCUMENT>
</SUBMISSION>
