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 30, 1997 included in this Form 10-K, into the Company's
previously filed Registration Statement File No. 333-05481, No. 33-5965 and File
No. 33-37835.


/s/ Nick L. Petroni
Certified Public Accountant

Glassboro, New Jersey
March 10, 1998

                                      71