Exhibit 32.1 - Certification of Chief Financial Officer
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002

I, Charles J. Nugent, Chief Financial Officer of Fulton Financial Corporation,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, certify that:

The Form 10-Q of Fulton Financial Corporation, containing the consolidated
financial statements for the quarter ended June 30, 2003, fully complies with
the requirements of Sections 13(a) or 15(d) of the Securities Exchange Act of
1934. The information contained in the Form 10-Q fairly presents, in all
material respects, the financial condition and results of operations of Fulton
Financial Corporation for the quarter ended June 30, 2003.


Dated:  August 13, 2003
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      /s/ Charles J. Nugent
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          Charles J. Nugent
          Senior Executive Vice President and
          Chief Financial Officer


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