EXHIBIT 99(c)
                                 -------------

                      GLOUCESTER COUNTY BANKSHARES, INC.
                               1100 Old Broadway
                        Woodbury, N.J.New Jersey 08096

                   NOTICE OF SPECIAL MEETING OF SHAREHOLDERS
                          To be Held January 24, 1996

To the Shareholders of
Gloucester County Bankshares, Inc.:

     NOTICE IS HEREBY GIVEN that a Special Meeting of Shareholders of Gloucester
County Bankshares, Inc. ("GCB") will be held at Ron Jaworski's Eagle's Nest
Country Club, Woodbury - Glassboro Road, Deptford, New Jersey, on January 24,
1996, at 10:30 a.m. local time, for the following purposes:

            (1) To consider and vote upon a proposal to approve the merger (the
     "Merger") of GCB with and into Fulton Financial Corporation ("FFC"), a
     Pennsylvania bank holding company, in accordance with the terms of the
     Merger Agreement dated October 25, 1995, between GCB and FFC (a copy of
     which, without exhibits or schedules, is attached to the accompanying Proxy
     Statement/Prospectus as Exhibit A). In the Merger, each of the outstanding
     shares of Common Stock, par value $5.00 per share (the "Shares"), of GCB
     will automatically be converted into the right to receive a specified
     number of shares of FCC's Common Stock, all as more fully described in the
     accompanying Proxy Statement. Approval of the Merger will also constitute
     approval of an amendment to The Gloucester County Bankshares, Inc. 1992
     Stock Option Plan, which extends the term during which members of the Board
     of Directors of GCB may hold stock options granted to them (a copy of which
     amendment is attached to the accompanying Proxy Statement/Prospectus as
     Exhibit D); and

            (2) To transact such other business as may properly come before the
     Special Meeting or any adjournments thereof.

     The Board of Directors has fixed the close of business on December 11,
1995, as the record date for the Special Meeting. Only those persons who are
record holders of GCB Common Stock at such date will be entitled to notice of,
and to vote at, the Special Meeting and any adjournment thereof. The attached
Proxy Statement/Prospectus forms a part of this Notice and is incorporated
herein by reference.

     THE AFFIRMATIVE VOTE OF THE HOLDERS OF TWO-THIRDS OF THE OUTSTANDING SHARES
OF COMMON STOCK OF GCB ENTITLED TO VOTE THEREON WILL BE REQUIRED TO ADOPT THE
MERGER AGREEMENT PROVIDING FOR THE MERGER OF GCB WITH AND INTO FFC. WHETHER OR
NOT YOU PLAN TO ATTEND THE SPECIAL MEETING, THE BOARD OF DIRECTORS URGES YOU TO
MARK, SIGN, DATE AND RETURN AS SOON AS POSSIBLE THE ENCLOSED PROXY IN THE
ENCLOSED ENVELOPE. GIVING THE PROXY WILL NOT AFFECT YOUR RIGHT TO VOTE IN PERSON
IF YOU ATTEND THE MEETING.

     Under Section 14A:11-1(1)(a)(i)(B) of the Business Corporation Act of the
State of New Jersey, shareholders of GCB will not be entitled to dissent from
the Merger and receive appraisal rights for, the "fair value" of their Shares.
A summary of the provisions of Section 14A:11-1(1)(a)(i)(B) of the New Jersey
Business Corporation Act is included in the accompanying Proxy
Statement/Prospectus.

                                           By order of the Board of Directors

Woodbury, New Jersey
    
December 22, 1995      
                                           Dale T. Taylor,
                                           Secretary