Exhibit 99.2

FULTON FINANCIAL CORPORATION

FINANCIAL HIGHLIGHTS (UNAUDITED)

		Quarter Ended June 30						Variance
		2004			2003			$				%
		(in thousands, except per-share data)
INCOME SUMMARY:
Interest income		$	122,024		$	107,166		$	14,858			13.9	%
Interest expense			33,318			32,796			522			1.6	%
Net Interest Income			88,706			74,370			14,336			19.3	%
Provision for loan losses			800			2,490			(1,690	)		-67.9	%
Investment securities gains			5,349			4,809			540			11.2	%
Other income			31,674			29,725			1,949			6.6	%
Other expenses			70,898			58,065			12,833			22.1	%
Income Before Income Taxes			54,031			48,349			5,682			11.8	%
Income taxes			16,167			14,287			1,880			13.2	%
Net Income		$	37,864		$	34,062		$	3,802			11.2	%
Fully taxable equivalent (FTE) net interest income		$	91,038		$	76,774		$	14,264			18.6	%
PER-SHARE DATA:
Net income:
Basic		$	0.31		$	0.31		$	—			0.0	%
Diluted			0.31			0.31			—			0.0	%
Cash dividends			0.165			0.152			0.013			8.6	%
ENDING BALANCES:
Total assets		$	10,556,421		$	8,619,287		$	1,937,134			22.5	%
Loans, net of unearned income			7,042,311			5,391,398			1,650,913			30.6	%
Deposits			7,430,988			6,437,023			993,965			15.4	%
Short-term borrowings			1,241,522			599,995			641,527			106.9	%
Long-term debt			654,886			534,456			120,430			22.5	%
Shareholders’ equity			1,107,482			873,659			233,823			26.8	%
AVERAGE BALANCES:
Total assets		$	10,603,544		$	8,422,985		$	2,180,559			25.9	%
Loans, net of unearned income			6,946,626			5,384,692			1,561,934			29.0	%
Deposits			7,448,275			6,324,543			1,123,732			17.8	%
Short-term borrowings			1,282,657			596,312			686,345			115.1	%
Long-term debt			656,803			540,413			116,390			21.5	%
Shareholders’ equity			1,101,590			865,336			236,254			27.3	%

FULTON FINANCIAL CORPORATION

FINANCIAL HIGHLIGHTS (UNAUDITED)

		Six Months Ended June 30						Variance
		2004			2003			$				%
		(in thousands, except per-share data)
INCOME SUMMARY:
Interest income		$	235,960		$	217,350		$	18,610			8.6	%
Interest expense			64,287			67,342			(3,055	)		-4.5	%
Net Interest Income			171,673			150,008			21,665			14.4	%
Provision for loan losses			2,540			5,325			(2,785	)		-52.3	%
Investment securities gains			11,177			7,038			4,139			58.8	%
Other income			58,089			59,161			(1,072	)		-1.8	%
Other expenses			133,375			113,947			19,428			17.1	%
Income Before Income Taxes			105,024			96,935			8,089			8.3	%
Income taxes			31,314			28,830			2,484			8.6	%
Net Income		$	73,710		$	68,105		$	5,605			8.2	%
Fully taxable equivalent (FTE) net interest income		$	176,351		$	154,836		$	21,515			13.9	%
PER-SHARE DATA:
Net income:
Basic		$	0.63		$	0.61		$	0.02			3.3	%
Diluted			0.62			0.61			0.01			1.6	%
Cash dividends			0.317			0.288			0.029			10.1	%
AVERAGE BALANCES:
Total assets		$	10,140,019		$	8,352,671		$	1,787,348			21.4	%
Loans, net of unearned income			6,567,307			5,365,939			1,201,368			22.4	%
Deposits			7,083,167			6,247,147			836,020			13.4	%
Short-term borrowings			1,313,970			603,838			710,132			117.6	%
Long-term debt			613,439			540,659			72,780			13.5	%
Shareholders’ equity			1,025,658			864,991			160,667			18.6	%

FULTON FINANCIAL CORPORATION

FINANCIAL HIGHLIGHTS (UNAUDITED)

		Quarter Ended						Variance
		June 30 2004			March 31 2004
								$				%
		(in thousands, except per-share data)
INCOME SUMMARY:
Interest income		$	122,024		$	113,936		$	8,088			7.1	%
Interest expense			33,318			30,969			2,349			7.6	%
Net Interest Income			88,706			82,967			5,739			6.9	%
Provision for loan losses			800			1,740			(940	)		-54.0	%
Investment securities gains			5,349			5,828			(479	)		-8.2	%
Other income			31,674			26,415			5,259			19.9	%
Other expenses			70,898			62,477			8,421			13.5	%
Income Before Income Taxes			54,031			50,993			3,038			6.0	%
Income taxes			16,167			15,147			1,020			6.7	%
Net Income		$	37,864		$	35,846		$	2,018			5.6	%
Fully taxable equivalent (FTE) net interest income		$	91,038		$	85,313		$	5,725			6.7	%
PER-SHARE DATA:
Net income:
Basic		$	0.31		$	0.31		$	—			0.0	%
Diluted			0.31			0.31			—			0.0	%
Cash dividends			0.165			0.152			0.013			8.3	%
ENDING BALANCES:
Total assets		$	10,556,421		$	9,620,191		$	936,230			9.7	%
Loans, net of unearned income			7,042,311			6,217,077			825,234			13.3	%
Deposits			7,430,988			6,784,175			646,813			9.5	%
Short-term borrowings			1,241,522			1,182,473			59,049			5.0	%
Long-term debt			654,886			571,964			82,922			14.5	%
Shareholders’ equity			1,107,482			968,449			139,033			14.4	%
AVERAGE BALANCES:
Total assets		$	10,603,544		$	9,676,495		$	927,049			9.6	%
Loans, net of unearned income			6,946,626			6,187,988			758,638			12.3	%
Deposits			7,448,275			6,718,058			730,217			10.9	%
Short-term borrowings			1,282,657			1,345,285			(62,628	)		-4.7	%
Long-term debt			656,803			570,075			86,728			15.2	%
Shareholders’ equity			1,101,590			949,725			151,865			16.0	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED ENDING BALANCE SHEET (UNAUDITED)

		June 30
		2004				2003
		(in thousands)
ASSETS
Cash and due from banks		$	335,176			$	354,238
Interest-bearing deposits			7,021				5,737
Mortgage loans held for sale			144,050				59,874
Investment securities			2,489,031				2,548,789
Loans, net of unearned income			7,042,311				5,391,398
Less: Allowance for loan losses			(86,539	)			(72,240	)
Net Loans			6,955,772				5,319,158
Premises and equipment			130,721				121,367
Accrued interest receivable			35,701				31,969
Goodwill			273,715				61,048
Other assets			185,234				117,107
Total Assets		$	10,556,421			$	8,619,287
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest bearing		$	1,414,770			$	1,295,098
Interest-bearing			6,016,218				5,141,925
Total Deposits			7,430,988				6,437,023
Short-term borrowings:
Federal funds purchased			774,128				250,000
Other short-term borrowings			467,394				349,995
Total Short-Term Borrowings			1,241,522				599,995
Accrued interest payable			25,273				24,290
Other liabilities			96,270				144,364
Long-term debt			654,886				534,456
Corporation-obligated mandatorily redeemable capital securities of subsidiary trust			—				5,500
Total Liabilities			9,448,939				7,745,628
Shareholders’ equity:
Common stock			321,277				272,941
Additional paid in capital			892,022				558,087
Retained earnings			38,885				82,091
Accumulated other comprehensive income			(25,747	)			25,929
Less: Treasury stock, at cost			(118,955	)			(65,389	)
Total Shareholders’ Equity			1,107,482				873,659
Total Liabilities and Shareholders’ Equity		$	10,556,421			$	8,619,287
LOANS AND DEPOSITS DETAIL:
Loans, by type:
Commercial, industrial and financial		$	1,818,570			$	1,521,626
Commercial - agricultural			324,465				191,902
Real estate - construction			560,865				270,468
Real estate - residential mortgage			504,320				457,620
Real estate - commercial mortgage			2,240,228				1,596,368
Real estate - home equity			1,004,532				759,055
Consumer			522,576				523,197
Leasing and other			66,755				71,162
Total Loans, net of unearned income		$	7,042,311			$	5,391,398
Deposits, by type:
Noninterest-bearing demand		$	1,414,770			$	1,295,098
Interest-bearing demand			1,361,379				1,099,470
Savings deposits			1,866,042				1,596,596
Time deposits			2,788,797				2,445,859
Total Deposits		$	7,430,988			$	6,437,023

FULTON FINANCIAL CORPORATION

CONSOLIDATED INCOME STATEMENT (UNAUDITED)

		Quarter Ended June 30						Six Months Ended June 30
		2004			2003			2004			2003
		(in thousands)
Interest Income:
Loans, including fees		$	96,859		$	84,541		$	185,325		$	169,653
Investment securities:
Taxable			19,652			18,390			41,388			39,124
Tax-exempt			2,540			2,526			5,073			5,046
Dividends			992			1,153			1,944			2,301
Other interest income			1,981			556			2,230			1,226
Total Interest Income			122,024			107,166			235,960			217,350
Interest Expense:
Deposits			22,345			24,000			42,695			49,707
Short-term borrowings			3,135			1,692			6,462			3,445
Long-term debt			7,838			7,104			15,130			14,190
Total Interest Expense			33,318			32,796			64,287			67,342
Net Interest Income			88,706			74,370			171,673			150,008
Provision for Loan Losses			800			2,490			2,540			5,325
Net Interest Income after Provision			87,906			71,880			169,133			144,683
Other Income:
Investment management & trust services			8,637			8,809			17,282			17,152
Service charges on deposit accounts			9,929			9,501			19,434			18,717
Other service charges and fees			4,970			4,708			9,996			9,294
Mortgage banking income			6,417			5,841			8,473			11,792
Investment securities gains			5,349			4,809			11,177			7,038
Other			1,721			866			2,904			2,206
Total Other Income			37,023			34,534			69,266			66,199
Other Expenses:
Salaries and employee benefits			42,195			34,494			79,158			67,814
Net occupancy expense			5,859			4,807			11,377			9,887
Equipment expense			2,749			2,588			5,390			5,268
Data processing			2,868			2,776			5,687			5,640
Advertising			1,914			1,787			3,442			3,019
Intangible amortization			1,356			360			2,347			719
Other			13,957			11,253			25,974			21,600
Total Other Expenses			70,898			58,065			133,375			113,947
Income Before Income Taxes			54,031			48,349			105,024			96,935
Income Taxes			16,167			14,287			31,314			28,830
Net Income		$	37,864		$	34,062		$	73,710		$	68,105

FULTON FINANCIAL CORPORATION

PER-SHARE INFORMATION AND SELECTED FINANCIAL RATIOS (UNAUDITED)

		Quarter Ended June 30								Six Months Ended June 30
		2004				2003				2004				2003
PER-SHARE INFORMATION:
Net income:
Basic		$	0.31			$	0.31			$	0.63			$	0.61
Diluted			0.31				0.31				0.62				0.61
Cash dividends		$	0.165			$	0.152			$	0.317			$	0.288
Book value			9.09				7.90				—				—
Tangible book value			6.66				7.25				—				—
Weighted average shares (basic)			122,118				110,709				117,904				110,962
Weighted average shares (diluted)			123,485				111,487				119,372				111,725
Shares outstanding, end of period			121,880				110,626				—				—
FINANCIAL RATIOS:
Return on average assets			1.44	%			1.62	%			1.46	%			1.64	%
Return on average equity			13.82	%			15.79	%			14.45	%			15.88	%
Net interest margin			3.73	%			3.91	%			3.76	%			3.99	%
Efficiency ratio			56.7	%			54.2	%			55.9	%			52.9	%
Average equity to average assets			10.4	%			10.3	%			10.1	%			10.4	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED AVERAGE BALANCE SHEET (UNAUDITED)

		Quarter Ended June 30								Six Months Ended June 30
		2004				2003				2004				2003
		(In thousands)
ASSETS
Interest-earning assets:
Loans and leases		$	6,946,626			$	5,384,692			$	6,567,307			$	5,365,939
Taxable investment securities			2,299,834				2,044,602				2,351,126				2,002,056
Tax-exempt investment securities			272,891				251,813				274,517				246,526
Equity securities			137,528				128,378				134,540				130,825
Short-term investments			122,375				40,526				70,664				47,720
Total Interest-Earning Assets			9,779,254				7,850,011				9,398,154				7,793,066
Non-interest earning assets:
Cash and due from banks			332,653				278,657				316,721				268,164
Premises and equipment			130,737				121,811				126,083				122,589
Other assets			447,700				245,293				381,827				241,731
Less: Allowance for loan losses			(86,800	)			(72,787	)			(82,766	)			(72,879	)
Total Assets		$	10,603,544			$	8,422,985			$	10,140,019			$	8,352,671
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits		$	1,362,761			$	1,085,855			$	1,315,716			$	1,067,839
Savings deposits			1,857,175				1,596,578				1,808,639				1,566,393
Time deposits			2,841,569				2,461,038				2,636,657				2,486,483
Total Interest-Bearing Deposits			6,061,505				5,143,471				5,761,012				5,120,715
Short-term borrowings			1,282,657				596,312				1,313,970				603,838
Long-term debt			656,803				540,413				613,439				540,659
Total Interest-Bearing Liabilities			8,000,965				6,280,196				7,688,421				6,265,212
Noninterest-bearing liabilities:
Demand deposits			1,386,770				1,181,072				1,322,155				1,126,432
Other			114,219				96,381				103,785				96,036
Total Liabilities			9,501,954				7,557,649				9,114,361				7,487,680
Shareholders’ equity			1,101,590				865,336				1,025,658				864,991
Total Liabilities and Shareholders’ Equity		$	10,603,544			$	8,422,985			$	10,140,019			$	8,352,671
AVERAGE YIELDS ON INTEREST-EARNING ASSETS:
Loans and leases (1)			5.61	%			6.30	%			5.67	%			6.38	%
Taxable investment securities			3.44	%			3.61	%			3.54	%			3.94	%
Tax-exempt investment securities (1)			3.74	%			4.02	%			3.72	%			4.13	%
Equity securities (1)			2.90	%			3.60	%			2.91	%			3.55	%
Short-term investments			6.51	%			5.50	%			6.35	%			5.18	%
Total Interest-Earning Assets			5.02	%			5.48	%			5.05	%			5.62	%
AVERAGE COSTS OF INTEREST-BEARING LIABILITIES:
Demand deposits			0.48	%			0.55	%			0.46	%			0.59	%
Savings deposits			0.57	%			0.69	%			0.57	%			0.72	%
Time deposits			2.56	%			3.22	%			2.64	%			3.32	%
Short-term borrowings			0.98	%			1.14	%			0.99	%			1.15	%
Long-term debt			4.80	%			5.27	%			4.96	%			5.29	%
Total Interest-Bearing Liabilities			1.67	%			2.09	%			1.68	%			2.17	%
NET INTEREST MARGIN (FTE)			3.73	%			3.91	%			3.76	%			3.99	%

(1) Yields are not fully-taxable equivalent (FTE).

FULTON FINANCIAL CORPORATION

LOAN QUALITY INFORMATION (UNAUDITED)

		Quarter Ended June 30								Six Months Ended June 30
		2004				2003				2004				2003
		(in thousands)
Gross charge-offs		$	1,627			$	2,962			$	4,315			$	6,911
Recoveries			1,183				926				2,702				1,906
Net Charge-offs		$	444			$	2,036			$	1,613			$	5,005
Net charge-offs to average loans			0.03	%			0.15	%			0.05	%			0.19	%
Non-accrual loans		$	21,961			$	26,811
Accruing loans 90+ days overdue			9,314				11,266
Other real estate owned			1,119				808
Total Non-Performing Assets		$	32,394			$	38,885
Non-accrual loans to total loans			0.31	%			0.50	%
Non-performing assets to total loans and OREO			0.46	%			0.72	%
Non-performing assets to total assets			0.31	%			0.45	%
Allowance to loans			1.23	%			1.34	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED INCOME STATEMENT (UNAUDITED)

		Quarter Ended
		June 30 2004			March 31 2004
		(in thousands)
Interest Income:
Loans, including fees		$	96,859		$	88,466
Investment securities:
Taxable			19,652			21,736
Tax-exempt			2,540			2,533
Dividends			992			952
Other interest income			1,981			249
Total Interest Income			122,024			113,936
Interest Expense:
Deposits			22,345			20,350
Short-term borrowings			3,135			3,327
Long-term debt			7,838			7,292
Total Interest Expense			33,318			30,969
Net Interest Income			88,706			82,967
Provision for Loan Losses			800			1,740
Net Interest Income after Provision			87,906			81,227
Other Income:
Investment management & trust services			8,637			8,645
Service charges on deposit accounts			9,929			9,505
Other service charges and fees			4,970			5,026
Mortgage banking income			6,417			2,056
Investment securities gains			5,349			5,828
Other			1,721			1,183
Total Other Income			37,023			32,243
Other Expenses:
Salaries and employee benefits			42,195			36,963
Net occupancy expense			5,859			5,518
Equipment expense			2,749			2,641
Data processing			2,868			2,819
Advertising			1,914			1,528
Intangible amortization			1,356			991
Other			13,957			12,017
Total Other Expenses			70,898			62,477
Income Before Income Taxes			54,031			50,993
Income Taxes			16,167			15,147
Net Income		$	37,864		$	35,846

FULTON FINANCIAL CORPORATION

PER-SHARE INFORMATION AND SELECTED FINANCIAL RATIOS (UNAUDITED)

		Quarter Ended
		June 30 2004				March 31 2004
PER-SHARE INFORMATION:
Net income:
Basic		$	0.31			$	0.31
Diluted			0.31				0.31
Cash dividends		$	0.165			$	0.152
Book value			9.09				8.51
Tangible book value			6.66				7.21
Weighted average shares (basic)			122,118				113,691
Weighted average shares (diluted)			123,485				114,681
Shares outstanding, end of period			121,880				113,738
FINANCIAL RATIOS:
Return on average assets			1.44	%			1.49	%
Return on average equity			13.82	%			15.18	%
Net interest margin			3.73	%			3.79	%
Efficiency ratio			56.7	%			55.0	%
Average equity to average assets			10.4	%			9.8	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED AVERAGE BALANCE SHEET (UNAUDITED)

		Quarter Ended
		June 30 2004				March 31 2004
		(In thousands)
ASSETS
Interest-earning assets:
Loans and leases		$	6,946,626			$	6,187,988
Taxable investment securities			2,299,834				2,402,420
Tax-exempt investment securities			272,891				276,143
Equity securities			137,528				131,553
Short-term investments			122,375				18,953
Total Interest-Earning Assets			9,779,254				9,017,057
Non-interest earning assets:
Cash and due from banks			332,653				300,789
Premises and equipment			130,737				121,428
Other assets			447,700				315,953
Less: Allowance for loan losses			(86,800	)			(78,732	)
Total Assets		$	10,603,544			$	9,676,495
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits		$	1,362,761			$	1,268,671
Savings deposits			1,857,175				1,760,104
Time deposits			2,841,569				2,431,742
Total Interest-Bearing Deposits			6,061,505				5,460,517
Short-term borrowings			1,282,657				1,345,285
Long-term debt			656,803				570,075
Total Interest-Bearing Liabilities			8,000,965				7,375,877
Noninterest-bearing liabilities:
Demand deposits			1,386,770				1,257,541
Other			114,219				93,352
Total Liabilities			9,501,954				8,726,770
Shareholders’ equity			1,101,590				949,725
Total Liabilities and Shareholders’ Equity		$	10,603,544			$	9,676,495
AVERAGE YIELDS ON INTEREST-EARNING ASSETS:
Loans and leases (1)			5.61	%			5.75	%
Taxable investment securities			3.44	%			3.64	%
Tax-exempt investment securities (1)			3.74	%			3.69	%
Equity securities (1)			2.90	%			2.91	%
Short-term investments			6.51	%			5.28	%
Total Interest-Earning Assets			5.02	%			5.08	%
AVERAGE COSTS OF INTEREST-BEARING LIABILITIES:
Demand deposits			0.48	%			0.43	%
Savings deposits			0.57	%			0.57	%
Time deposits			2.56	%			2.73	%
Short-term borrowings			0.98	%			0.99	%
Long-term debt			4.80	%			5.14	%
Total Interest-Bearing Liabilities			1.67	%			1.69	%
NET INTEREST MARGIN (FTE)			3.73	%			3.79	%

(1) Yields are not fully-taxable equivalent (FTE).

FULTON FINANCIAL CORPORATION

LOAN QUALITY INFORMATION (UNAUDITED)

		Quarter Ended
		June 30 2004				March 31 2004
		(in thousands)
Gross charge-offs		$	1,627			$	2,688
Recoveries			1,183				1,519
Net Charge-offs		$	444			$	1,169
Net charge-offs to average loans			0.03	%			0.08	%
Non-accrual Loans		$	21,961			$	19,594
Accruing loans 90+ days overdue			9,314				10,758
Other real estate owned			1,119				356
Total Non-Performing Assets		$	32,394			$	30,708
Non-accrual loans to total loans			0.31	%			0.32	%
Non-performing assets to total loans and OREO			0.46	%			0.49	%
Non-performing assets to total assets			0.31	%			0.32	%
Allowance to loans			1.23	%			1.26	%