EXHIBIT 21 Subsidiaries of the Registrant The following are the subsidiaries of Fulton Financial Corporation: State of Name Under Incorporation Which Business Subsidiary or Organization is Conducted - ---------- --------------- -------------- Fulton Bank Pennsylvania Fulton One Penn Square Bank P.O. Box 4887 Lancaster, Pennsylvania 17604 Farmers Trust Bank Pennsylvania Farmers 817 Cumberland Street Trust Lebanon, Pennsylvania 17042 Bank Swineford National Bank Pennsylvania Swineford 227 East Main Street National Middleburg, Pennsylvania 17842 Bank (National Banking Organization) Lafayette Bank Pennsylvania Lafayette 360 Northampton Street Bank Easton, Pennsylvania 18042 Fulton Financial Realty Company Pennsylvania Fulton One Penn Square Financial P.O. Box 4887 Realty Lancaster, Pennsylvania 17604 Company Fulton Life Insurance Company Arizona Fulton Life One Penn Square Insurance P.O. Box 4887 Company Lancaster, Pennsylvania 17604 FNB Bank, N.A. Pennsylvania FNB Bank, 354 Mill Street N.A. P.O. Box 279 Danville, Pennsylvania 17821 Great Valley Savings Bank Pennsylvania Great Valley 210 North 5th Street Savings Bank P. O. Box 1342 Reading, Pennsylvania 19603 104 Hagerstown Trust Company Maryland Hagerstown 83 West Washington Street Trust Hagerstown, Maryland 21740 Company Central Pennsylvania Pennsylvania Central Financial Corporation Pennsylvania 100 West Independence Street Financial Shamokin, PA 17872 Corporation Delaware National Bank Delaware Delaware Route 113 North National P. O. Box 520 Bank Georgetown, DE 19947 105