Exhibit 99.1


                               Fulton Financial
                               ----------------
                                  CORPORATION


FOR IMMEDIATE RELEASE                            Contact: Laura J. Wakeley
(Full text available on PR Newswire)             Phone:   717-291-2739


               Fulton Financial Corporation Completes Acquisition
                       of Drovers Bancshares Corporation

     (July 2) -- Lancaster, PA -- Fulton Financial Corporation (Nasdaq: FULT),
effective July 1, completed its acquisition of Drovers Bancshares Corporation
(Nasdaq: DROV), based in York, Pennsylvania. Under the terms of the definitive
merger agreement, Drovers shareholders will receive 1.302 shares of Fulton
Financial common stock for each Drovers Bancshares common stock share. Based on
the $20.46 per share closing price of Fulton Financial stock on June 29, 2001,
the transaction is valued at approximately $137.6 million. Drovers Bancshares
has approximately 5.2 million shares of common stock outstanding. The
acquisition was accounted for as a pooling of interests.

     It is anticipated that, effective August 25, 2001, Drovers Bancshares' sole
banking subsidiary, The Drovers & Mechanics Bank, also based in York, will be
merged into Fulton Bank, Fulton Financial Corporation's largest banking
subsidiary. The branches of the former Drovers & Mechanics Bank will then be
operated as "Drovers Bank, a Division of Fulton Bank."

     "We are pleased to welcome Drovers Bank to the Fulton Financial family,"
said Rufus A. Fulton, Jr., chairman and chief executive officer of Fulton
Financial Corporation. "This is a natural fit for both companies. Both have
developed a solid record for providing high levels of

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banking service, and in delivering real banking value, at a local, grassroots
level. We are pleased to welcome Drovers' employees to the Fulton team, and we
will work together to exceed our customers' expectations."

     "Our union with Fulton will enable us to provide additional banking value
and convenience for our customers," said A. Richard Pugh, Drovers' chairman,
president and chief executive officer. "Our employees are pleased to be able to
continue the personalized customer relationships we have developed through the
years while offering an enhanced array of products and services available
through a larger bank."

     At the time the acquisition was completed, Drovers Bank had approximately
$825 million in assets, and operated 16 community banking offices in York
County, one community banking office in Frederick County, Maryland, and a loan
production office in Cumberland County, Pennsylvania. Effective July 1,
ownership of the Frederick County branch office was transferred to Hagerstown
Trust, another Fulton Financial subsidiary.

     Fulton Financial Corporation now has approximately $7.5 billion in assets
and operates 196 offices in Pennsylvania, Maryland, Delaware and New Jersey
through the following banking affiliates: Fulton Bank, Lancaster, PA; Lebanon
Valley Farmers Bank, Lebanon, PA; Swineford National Bank, Middleburg, PA;
Lafayette Ambassador Bank, Easton, PA; FNB Bank, N.A., Danville, PA; Hagerstown
Trust, Hagerstown, MD; Delaware National Bank, Georgetown, DE; The Bank of
Gloucester County, Woodbury, NJ; The Woodstown National Bank, Woodstown, NJ; The
Peoples Bank of Elkton, Elkton, MD, Skylands Community Bank, Hackettstown, NJ
and The Drovers & Mechanics Bank, York, PA. Residential mortgage lending is
offered by all banks through the Fulton Mortgage Company.

     The Corporation's financial services affiliates include Fulton Financial
Advisors,

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N.A., Lancaster, PA; Fulton Insurance Services Group Inc., Lancaster, PA; and
Dearden, Maguire, Weaver and Barrett, Inc., West Conshohocken, PA.

     Additional information on Fulton Financial Corporation is available on the
Internet at www.fult.com.

Safe Harbor Statement: Except for historical information contained herein, the
matters discussed in this release are forward-looking statements. Investors are
cautioned that all forward-looking statements involve risks and uncertainty,
including without limitation, the ability to achieve anticipated merger related
operational efficiencies, the ability to enhance revenues through increased
market penetration, expanded lending capacity and product offerings and other
risks detailed from time to time in Fulton's and Drovers' SEC filings, including
forms 10-Q and 10-K (copies of which are available from Fulton without charge in
hard copy or online at www.sec.gov). Fulton disclaims any intention or
obligation to publicly update or revise any forward-looking statements, whether
as a result of events or circumstances after the date hereof or to reflect the
occurrence of unanticipated events.

2001                             # # #

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