EXHIBIT 99(b)

           [THE WOODSTOWN NATIONAL BANK & TRUST COMPANY LETTERHEAD]

                                                                   
                                                               December 13, 1996
                                                                                
Dear Shareholder,
    
        You are cordially invited to a Special Meeting of Shareholders 
(the "Meeting") of The Woodstown National Bank & Trust Company ("WNB") to be
held on January 22, 1997, at 11:00 a.m. at the Salem County Sportsmen's Club,
Inc., Route 40, Carney's Point, New Jersey.      

        At the Meeting, holders of all outstanding shares of Common Stock, par 
value $0.22 per share (the "Shares"), of WNB will be asked to consider and vote 
upon a proposal to approve the merger (the "Merger") of WNB and a subsidiary of 
Fulton Financial Corporation ("FFC") in accordance with the terms of the Merger 
Agreement dated September 30, 1996, as amended as of November 1, 1996, between 
WNB and FFC (the "Merger Agreement").  Following the Merger, the resulting bank 
will operate as a wholly-owned subsidiary of FFC under the name "The Woodstown 
National Bank & Trust Company."  Pursuant to the Merger Agreement, each Share 
outstanding at the effective date of the Merger will automatically be converted 
into the right to receive 1.60 shares of FFC's Common Stock,and cash will be 
paid in lieu of fractional shares.  Consummation of the Merger is subject to 
certain conditions, including the approval of the Merger by various regulatory 
agencies and approval of the WNB shareholders as described below.

        The Board of Directors of WNB has approved and declared the Merger 
advisable and recommends that the shareholders of WNB vote in favor of the 
Merger Agreement.

        It is very important that your shares be represented at the Meeting, 
regardless of whether you plan to attend in person.  The affirmative vote of 
two-thirds of the outstanding shares of WNB Common Stock will be required to 
approve the Merger Agreement.  Consequently, your failure to vote would have the
same effect as a vote against the Merger.  You are, therefore, urged to execute 
and return the enclosed proxy card in the enclosed postage-paid envelope as soon
as possible to ensure your shares will be voted at the Meeting.

                                Sincerely yours,

                                    
                                Samuel H. Jones, Jr.
                                Chairman of the Board