<SUBMISSION>
<ACCESSION-NUMBER>0001043039-04-000025
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20041105
<ITEMS>7.01
<ITEMS>9.01
<FILING-DATE>20041105
<DATE-OF-FILING-DATE-CHANGE>20041105
<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>041121445
</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>fulton8k.htm
<TEXT>
<HTML>
<HEAD>
<META CONTENT="text/html; charset=windows-1252">
<META NAME="Generator" CONTENT="Microsoft Word 10.0">
<TITLE> </TITLE>
</HEAD>
<BODY>

<B><FONT SIZE=5><P ALIGN="CENTER">UNITED STATES</P>
<P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION</P>
</B></FONT><P ALIGN="CENTER">Washington, D.C. 20549</P>
<FONT SIZE=5><P ALIGN="CENTER">FORM 8-K</P>
</FONT><B><P ALIGN="CENTER">CURRENT REPORT</P>
<P ALIGN="CENTER">Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934</P></B>
<P ALIGN="CENTER"><CENTER><TABLE BORDER=0 CELLPADDING=7 WIDTH=540>
<TR><TD WIDTH="50%" VALIGN="TOP">
<P ALIGN="CENTER">Date of Report:</TD>
<TD WIDTH="50%" VALIGN="TOP">
<U><P ALIGN="CENTER">November 5, 2004</U></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">
<P ALIGN="CENTER">Date of earliest event reported:</TD>
<TD WIDTH="50%" VALIGN="TOP">
<U><P ALIGN="CENTER">November 5, 2004</U></TD>
</TR>
</TABLE>
</CENTER></P>

<U><FONT SIZE=5><P ALIGN="CENTER">FULTON FINANCIAL CORPORATION<BR>
</U></FONT>(Exact Name of Registrant as specified in its charter)</P>
<TABLE BORDER=0 CELLPADDING=7 WIDTH=638>
<TR><TD WIDTH="42%" VALIGN="TOP">
<U><P ALIGN="CENTER">Pennsylvania</P>
</U><P ALIGN="CENTER">(State or other jurisdiction<BR>
of incorporation)</TD>
<TD WIDTH="27%" VALIGN="TOP">
<U><P ALIGN="CENTER">0-10587</P>
</U><P ALIGN="CENTER">Commission File No.</TD>
<TD WIDTH="31%" VALIGN="TOP">
<U><P ALIGN="CENTER">23-2195389</P>
</U><P ALIGN="CENTER">(IRS Employer<BR>
Identification Number)</P>
<P ALIGN="CENTER"></TD>
</TR>
<TR><TD WIDTH="69%" VALIGN="TOP" COLSPAN=2>
<U><P ALIGN="CENTER">One Penn Square, P.O. Box 4887, Lancaster, PA</P>
</U><P ALIGN="CENTER">(Address of principal executive offices)</TD>
<TD WIDTH="31%" VALIGN="TOP">
<U><P ALIGN="CENTER">17604</P>
</U><P ALIGN="CENTER">(Zip Code)</TD>
</TR>
</TABLE>

<P ALIGN="JUSTIFY">Registrant's telephone number, including area code: (717) 291-2411</P>
<P ALIGN="LEFT">Former name or former address, if changed since last report: N/A</P>
<P ALIGN="LEFT">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions (see General Instruction A.2. below):</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>
<B><P ALIGN="JUSTIFY">Item 7.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure</P>
</B><P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At a special meeting of shareholders of First Washington FinancialCorp, held November 5, 2004, the shareholders of First Washington approved the Agreement and Plan of Merger previously entered into by Fulton and First Washington on June 14, 2004.  The merger is now expected to close on December 31, 2004, pending receipt of regulatory approvals.  A press release containing further information is attached hereto as Exhibit 99.1.</P>
<B><P ALIGN="JUSTIFY">Item 9.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits </P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>(c)  <U>Exhibits</P>
</U><P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Press Release, dated November 5, 2004</P>
<B><P ALIGN="CENTER">SIGNATURES</P>
</B><P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.</P>
<TABLE BORDER=0 CELLPADDING=7 WIDTH=638>
<TR><TD WIDTH="29%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="71%" VALIGN="TOP">
<P ALIGN="JUSTIFY">FULTON FINANCIAL CORPORATION</TD>
</TR>
<TR><TD WIDTH="29%" VALIGN="TOP">
<P ALIGN="LEFT">Date:&nbsp;&nbsp;November 5, 2004</TD>
<TD WIDTH="71%" VALIGN="TOP">
<P ALIGN="JUSTIFY">By:&nbsp;&nbsp;<U>/s/ Charles J. Nugent&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
</U><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Charles J. Nugent</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive Vice President and Chief Financial Officer</TD>
</TR>
</TABLE>

<P ALIGN="JUSTIFY"></P></BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>fultonpressrelease.htm
<TEXT>
<HTML>
<HEAD>
<META CONTENT="text/html; charset=windows-1252">
<META NAME="Generator" CONTENT="Microsoft Word 10.0">
<TITLE>shareholder approval release</TITLE>
</HEAD>
<BODY>

<B><U><FONT FACE="CG Times (W1),Times New Roman" SIZE=6><P ALIGN="CENTER">Fulton Financial</FONT><FONT FACE="CG Times (W1),Times New Roman" SIZE=6><BR>
</B></U></FONT><FONT FACE="CG Times (W1),Times New Roman" SIZE=5>CORPORATION</P></FONT>
<TABLE BORDER=0 CELLPADDING=7 WIDTH=638>
<TR><TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="CG Times" SIZE=3><P ALIGN="LEFT">FOR IMMEDIATE RELEASE</B></FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="CG Times" SIZE=3><P ALIGN="LEFT">Contact:&nbsp;&nbsp;Laura Wakeley (Fulton)</B></FONT></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">
<B><I><FONT FACE="CG Times" SIZE=3><P ALIGN="LEFT">(Full text available on PR Newswire)</B></I></FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="CG Times" SIZE=3><P ALIGN="LEFT">Phone:  717-291-2739</B></FONT></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="CG Times" SIZE=3><P ALIGN="LEFT">Carol Jones (First Washington)</B></FONT></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="LEFT">Phone: 609-426-8969</B></FONT></TD>
</TR>
</TABLE>

<B><FONT FACE="CG Times" SIZE=3><P ALIGN="CENTER">FIRST WASHINGTON FINANCIALCORP SHAREHOLDERS APPROVE MERGER</P>
<P ALIGN="CENTER">WITH FULTON FINANCIAL CORPORATION</P>
</B></FONT><FONT FACE="Arial" SIZE=3><P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=3>(November 5)&nbsp;&nbsp;-&nbsp;&nbsp;Lancaster, PA&nbsp;&nbsp;-&nbsp;&nbsp;First Washington FinancialCorp shareholders today approved the acquisition of First Washington FinancialCorp (Nasdaq: FWFC) by Fulton Financial Corporation (Nasdaq: FULT), a $10.6 billion financial holding company based in Lancaster, PA.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The vote at a special shareholders' meeting today clears the way for the merger to proceed, pending final regulatory approvals.  The merger is now expected to be completed on December 31, 2004.&#9;</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;First Washington FinancialCorp is the holding company for First Washington State Bank, which is based in Windsor, NJ.  The company has approximately $486 million in assets and operates sixteen community banking offices in Mercer, Monmouth and Ocean Counties in New Jersey.   First Washington will become Fulton Financial's 13th banking affiliate and will continue to operate as First Washington State Bank.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fulton Financial Corporation is a financial holding company that operates 208 banking offices in Pennsylvania, Maryland, Delaware, New Jersey and Virginia 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 National Bank, Georgetown, DE; The Bank, Woodbury, NJ; Peoples Bank of Elkton, Elkton, MD, Skylands Community Bank, Hackettstown, NJ., Premier Bank, Doylestown, PA, and Resource Bank, Virginia Beach, VA.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's other financial services providers include Fulton Financial Advisors, N.A., Lancaster, PA; Fulton Insurance Services Group, Inc., Lancaster, PA; and Dearden, Maguire, Weaver and Barrett, LLC, West Conshohocken, PA.  Residential mortgage lending is offered by all banks through Fulton Mortgage Company and Resource Mortgage. </P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional information on Fulton Financial Corporation is available on the Internet at <I>www.fult.com</I>.  </P></FONT></BODY>
</HTML>

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