EXHIBIT 23.4

                        CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in this Registration Statement of
Fulton Financial Corporation on Form S-4 of our report dated January 12, 2001,
which appears in the annual report on Form 10-K of Drovers Bancshares
Corporation and subsidiaries for the year ended December 31, 2000, and to the
reference to our Firm under the caption "Experts."



                                         /s/  Stambaugh Ness, P.C.

York, Pennsylvania
March 26, 2001