Exhibit 23 - Consent of Independent Public Accountants


To: Fulton Financial Corporation


As independent public accountants, we hereby consent to the incorporation of our
report dated January 21, 2000 included in this Form 10-K, into the Company's
previously filed Registration Statement File No. 333-05481, File No. 33-5965 and
File No. 33-37835.



/s/ Arthur Andersen LLP

Lancaster, Pa.,
March 20, 2000