---

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D. C. 20459

 

---

 

FORM 8-K

 

---

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of

the Securities and Exchange Act of 1934

 

Date of Report:

January 20, 2004

 

---

 

FULTON FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

 

---

 

Pennsylvania		0-010587		23-2195389
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification Number)

 

One Penn Square, PO Box 4887 Lancaster, Pennsylvania		17604
(Address of principal executive offices)		(Zip Code)

 

(717) 291-2411

(Registrant’s telephone number, including area code)

 

---

---

ITEM 7. EXHIBITS

 

Exhibit No.		Description
99.1		Earnings Release dated January 20, 2004
99.2		Supplemental financial information for the quarter ended December 31, 2003

 

ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

 

On January 20, 2004 Fulton Financial Corporation announced its earnings for the fourth quarter and year ended December 31, 2003. A copy of the earnings release is attached as Exhibit 99.1 to this report. Supplemental financial information included with the earnings release is attached as Exhibit 99.2 to this report.

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

FULTON FINANCIAL CORPORATION
Date:    January 20, 2004		/s/ Charles J. Nugent
		Charles J. Nugent
		Senior Executive Vice President and
		Chief Financial Officer

 

2