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<ACCESSION-NUMBER>0001043039-04-000034
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20041221
<ITEMS>8.01
<ITEMS>9.01
<FILING-DATE>20041221
<DATE-OF-FILING-DATE-CHANGE>20041221
<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>041216812
</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
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<B><FONT SIZE=5><P ALIGN="CENTER">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
</B></FONT>Washington, D.C.&nbsp;&nbsp;20549</P>
<FONT SIZE=5><P ALIGN="CENTER">FORM 8-K</P>
</FONT><B><P ALIGN="CENTER">CURRENT REPORT<BR>
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=480>
<TR><TD WIDTH="48%" VALIGN="TOP">
<P ALIGN="LEFT">Date of Report:</TD>
<TD WIDTH="53%" VALIGN="TOP">
<U><P ALIGN="CENTER">December 21, 2004</U></TD>
</TR>
<TR><TD WIDTH="48%" VALIGN="TOP">
<P ALIGN="LEFT">Date of earliest event reported:</TD>
<TD WIDTH="53%" VALIGN="TOP">
<U><P ALIGN="CENTER">December 21, 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>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="CENTER"><CENTER><TABLE BORDER=0 CELLPADDING=7 WIDTH=638>
<TR><TD WIDTH="33%" VALIGN="TOP">
<U><P ALIGN="CENTER">Pennsylvania<BR>
</U>(State or other jurisdiction of incorporation)</TD>
<TD WIDTH="33%" VALIGN="TOP">
<U><P ALIGN="CENTER">0-10587<BR>
</U>Commission File No.</TD>
<TD WIDTH="33%" VALIGN="TOP">
<U><P ALIGN="CENTER">23-2195389<BR>
</U>(IRS Employer Identification Number)</TD>
</TR>
<TR><TD WIDTH="67%" VALIGN="TOP" COLSPAN=2>
<U><P ALIGN="CENTER">&#9;One Penn Square, P.O. Box 4887, Lancaster, PA<BR>
</U>(Address of principal executive offices)</TD>
<TD WIDTH="33%" VALIGN="TOP">
<U><P ALIGN="CENTER">17604<BR>
</U>(Zip Code)</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>
<P ALIGN="LEFT">Registrant's telephone number, including area code: &nbsp;&nbsp; (717) 291-2411</TD>
</TR>
</TABLE>
</CENTER></P>

<U><P ALIGN="CENTER">&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U><FONT SIZE=2>(Former name or former address, if changed since last report.)</P>
</FONT><P ALIGN="JUSTIFY">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="JUSTIFY">[&nbsp;&nbsp;&nbsp;] &nbsp;&nbsp;&nbsp; Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>
<P ALIGN="JUSTIFY">[&nbsp;&nbsp;&nbsp;] &nbsp;&nbsp;&nbsp; Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P><DIR>
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<P ALIGN="JUSTIFY">[&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="JUSTIFY">[&nbsp;&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"></P></DIR>
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<P ALIGN="JUSTIFY">Item 8.01.</B> &nbsp;&nbsp;&nbsp; <B>Other Events</P>
</B><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As further described in the attached press release, Fulton announced on December 21, 2004 that it has extended the duration of its stock repurchase program, originally announced in June 2004, from December 31, 2004 to through June 30, 2005.  The plan originally permitted Fulton to repurchase up to 4 million shares.  As of November 30, 2004, approximately 1.5 million shares out of the original 4 million still remained available to be repurchased.  Fulton has also increased the number of shares subject to repurchase under the plan from 1.5 million to a total of 4 million shares through the end of the extended repurchase period.</P>
<B><P ALIGN="JUSTIFY">Item 9.01</B> &nbsp;&nbsp;&nbsp; <B>Financial Statements and Exhibits</P>
</B><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)  <U>Exhibits</P>
</U><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1  Press Release</P>
<B><P ALIGN="CENTER"></P>
<P ALIGN="CENTER">SIGNATURES</P>
</B><P ALIGN="JUSTIFY">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><DIR>
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<P ALIGN="LEFT">FULTON FINANCIAL CORPORATION<BR>
</P>
<P ALIGN="LEFT">By: <U>/s/ Charles J. Nugent<BR>
</U>Charles J. Nugent<BR>
Senior Executive Vice President and <BR>
Chief Financial Officer</P>
<P ALIGN="JUSTIFY"></P></DIR>
</DIR>
</DIR>
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<P ALIGN="JUSTIFY">Date:&#9;December 21, 2004</P></BODY>
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<TYPE>EX-99
<SEQUENCE>2
<FILENAME>fultonpressrelease.htm
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<B><U><FONT SIZE=6><P ALIGN="CENTER">Fulton Financial</FONT><FONT SIZE=6><BR>
</B></U></FONT><FONT SIZE=5>CORPORATION</P></FONT>
<P ALIGN="LEFT"><TABLE BORDER=0 CELLPADDING=7 WIDTH=590>
<TR><TD WIDTH="50%" VALIGN="TOP">
<B><P ALIGN="LEFT">FOR IMMEDIATE RELEASE</B></TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><P ALIGN="LEFT">Contact:&nbsp;&nbsp;Laura Wakeley (Fulton)</B></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">
<B><I><P ALIGN="LEFT">(Full text available on PR Newswire)</B></I></TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><P ALIGN="LEFT">Phone: &nbsp;&nbsp;717-291-2739</B></TD>
</TR>
</TABLE>
</P>

<B><P ALIGN="CENTER">Fulton Financial extends plan to repurchase stock, increases shares</P>
</B><P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(December 21) -- LANCASTER, Pa. - Fulton Financial Corporation (Nasdaq: FULT), a $10.6 billion Lancaster, PA-based financial holding company, today extended the stock repurchase program originally announced in June 2004.  The company also increased the number of shares it could repurchase under this extension.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Originally, the Corporation said it may repurchase up to 4 million shares of its own stock through December 31, 2004.  As of November 30, 2004, it had repurchased approximately 2.5 million of these shares, leaving approximately 1.5 million shares still available for repurchase.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The board today approved an extension of the program through June 30, 2005 and increased the total number of shares that could be repurchased, depending upon market conditions, to 4 million shares, or approximately 3.3 percent of the company's outstanding shares.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As announced previously, any repurchased shares will be added to the corporate treasury and will be used for general corporate purposes.  As of November 30, 2004, the Corporation had 119.9 million shares of stock outstanding.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fulton Financial Corporation 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; The 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 anticipates the addition of its thirteenth affiliate bank, First Washington State Bank, based in Windsor, N.J., in January, 2005.</P>
<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, LLC., West Conshohocken, PA.  Residential mortgage lending is offered 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>
<B><P ALIGN="LEFT"></P>
<P ALIGN="LEFT">Safe Harbor Statement:</P>
</B><P ALIGN="LEFT">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.</P>
<P ALIGN="LEFT">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.</P></BODY>
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