EXHIBIT 23(d)

                      CONSENT OF DANIELSON ASSOCIATES INC.
                      
    
     We hereby consent to the inclusion of our fairness opinion dated January
19, 1998 and updated as of May 11, 1998, as an Exhibit to Ambassador Bank of the
Commonwealth/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
    
                                            Chairman     
    
 May 11         , 1998     
- -----------------