<SUBMISSION>
<ACCESSION-NUMBER>0001043039-04-000039
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>1
<PERIOD>20041221
<ITEMS>5.02
<FILING-DATE>20041227
<DATE-OF-FILING-DATE-CHANGE>20041227
<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>041226323
</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=390>
<TR><TD WIDTH="62%" VALIGN="TOP">
<P ALIGN="LEFT">Date of Report:</TD>
<TD WIDTH="38%" VALIGN="TOP">
<U><P ALIGN="LEFT">December 27, 2004</U></TD>
</TR>
<TR><TD WIDTH="62%" VALIGN="TOP">
<P ALIGN="LEFT">Date of earliest event reported:</TD>
<TD WIDTH="38%" VALIGN="TOP">
<U><P ALIGN="LEFT">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>
<TABLE BORDER=0 CELLPADDING=7 WIDTH=624>
<TR><TD WIDTH="33%" VALIGN="TOP">
<U><P ALIGN="CENTER">Pennsylvania<BR>
</U>(State or other jurisdiction of incorporation)</TD>
<TD WIDTH="34%" 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">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="CENTER">Registrant's telephone number, including area code:&nbsp;&nbsp;(717) 291-2411<BR>
<U>&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;&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.)</FONT></TD>
</TR>
</TABLE>

<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>
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<B><P ALIGN="LEFT">Item 5.02.</B> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers.</P>
</B><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with the Agreement and Plan of Merger between Fulton and First Washington FinancialCorp, Fulton appointed Abraham S. Opatut, a First Washington director, to the Fulton board of directors effective as of January 18, 2005.&nbsp;&nbsp;Mr. Opatut will serve until the 2005 annual meeting of Fulton's shareholders, and he will be nominated to serve for, and stand for election to, a three year term at that meeting.</P>
<B><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;</P>
</B><P ALIGN="JUSTIFY">&nbsp;</P>
<P ALIGN="JUSTIFY">&nbsp;</P>
<P ALIGN="CENTER">&nbsp;</P>
<B><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></DIR>
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<P ALIGN="JUSTIFY">Date:&#9;December 27, 2004</P>
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