EXHIBIT 23 (b)

                        CONSENT OF ARTHUR ANDERSEN LLP
                        ------------------------------

     As independent public accountants, we hereby consent to the incorporation 
by reference in this registration statement of our report dated January 26,
1996, (except Note N for which the date is February 29, 1996) included in Fulton
Financial Corporation's Form 10-K for the year ended December 31, 1995 and to
all references to our firm included in this registration statement.

Lancaster, Pennsylvania                         /s/ ARTHUR ANDERSEN LLP

December 2, 1996