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 24, 1997 included in this Form 10-K, into the Company's
previously filed Registration Statement File No. 33-35481, No. 33-5965 and File
No. 33-37835.


/s/ Arthur Andersen L.L.P.

Lancaster, Pennsylvania
March 26, 1997