EXHIBIT 23.2



                  CONSENT OF SANDLER O'NEILL & PARTNERS, L.P.



     We hereby consent to the inclusion of our opinion letter to the Board of
Directors of Drovers Bancshares Corporation (the "Company") as an Appendix to
the Proxy Statement/Prospectus relating to the proposed merger of the Company
with and into Fulton Financial Corporation contained in the Registration
Statement on Form S-4 as filed with the Securities and Exchange Commission on
the date hereof, and to the references to our firm and such opinion in such
Proxy Statement/Prospectus.  In giving such consent, we do not admit that we
come within the category of persons whose consent is required under Section 7 of
the Securities Act of 1933, as amended (the "Act"), or the rules and regulations
of the Securities and Exchange Commission thereunder (the "Regulations"), nor do
we admit that we are experts with respect to any part of such Registration
Statement within the meaning of the term "experts" as used in the Act or the
Regulations.



______________________________, 2001

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