EXHIBIT 23(d) CONSENT OF DANIELSON ASSOCIATES INC. We hereby consent to the inclusion of our fairness opinion dated November 16, 1997 as an Exhibit to Keystone Heritgage Group, Inc./Fulton Financial Corporation Proxy Statement/Prospectus and to the references to our firm contained herein. DANIELSON ASSOCIATES, INC. By: /s/Arnold G. Danielson -------------------------- Arnold G. Danielson