8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities and Exchange Act of 1934

Date of Report: November 2, 2005

Date of earliest event reported: November 2, 2005

FULTON FINANCIAL CORPORATION

(Exact Name of Registrant as specified in its charter)

Pennsylvania	0-10587	23-2195389
(State or other jurisdiction	Commission File No.	(IRS Employer Identification
of incorporation)		Number)
One Penn Square, P.O. Box 4887, Lancaster, PA		17604
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (717) 291-2411

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01. Regulation FD Disclosure

     Pursuant to Regulation FD, information is being attached as an Exhibit to this Current Report with respect to a presentation to be made by R. Scott Smith, Jr., president and chief operating officer on November 2, 2005 at 3:30 p.m. eastern time. This presentation, which provides an overview of Fulton’s strategy and performance, will be made at the 2005 Ryan Beck Financial Institutions’ Investors Conference hosted by Ryan Beck. A live webcast of the presentation, which will include slides and audio, will be available via the Internet through Fulton Financial Corporation’s website at www.fult.com.

     The presentation may contain forward-looking statements about Fulton’s growth and acquisition strategies, new products and services, and future financial performance, including earnings and dividends per share, return on average assets, return on average equity, efficiency ratio and capital ratio. Forward-looking statements are encouraged by the Private Securities Litigation Reform Act of 1995. Such forward-looking information is based upon certain underlying assumptions, risks and uncertainties. Because of the possibility of change in the underlying assumptions, actual results could differ materially from these forward looking statements. Risks and uncertainties that may affect future results include: pricing pressures on loans and deposits, actions of bank and non-bank competitors, changes in local and national economic conditions, changes in regulatory requirements, actions of the Federal Reserve Board, Fulton’s success in merger and acquisition integration, and customer acceptance of Fulton’s products and services. Fulton undertakes no obligation to revise or update such statements to reflect current events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

Item 9.01. Financial Statements and Exhibits

     (c) Exhibits

99.1 Investor Presentation Slides

SIGNATURES

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

FULTON FINANCIAL CORPORATION
By:	/s/ Charles J. Nugent
	Charles J. Nugent
	Senior Executive Vice President and Chief Financial Officer

Date: November 2, 2005

EX-99.1

Exhibit 99.1

Fulton Financial Corporation Ryan Beck and Company Financial Institutions Investor Conference Retail Strategies - Attraction vs. Attrition November 2, 2005 R. Scott Smith, Jr., President and COO

Fulton Financial Corporation Based in Lancaster, Pa. 14 affiliate banks in 5 states - PA., NJ., DE., MD., VA. Columbia Bancorp, Columbia, MD. $12.3 Billion 232 branches 3,900 employees

Forward-Looking Statement The following presentation may contain forward-looking statements about Fulton Financial Corporation's growth and acquisition strategies, new products and services, and future financial performance, including earnings and dividends per share, return on average assets, return on average equity, efficiency ratio and capital ratio. Forward-looking statements are encouraged by the Private Securities Litigation Reform Act of 1995. Such forward-looking information is based upon certain underlying assumptions, risks and uncertainties. Because of the possibility of change in the underlying assumptions, actual results could differ materially from these forward-looking statements. Risks and uncertainties that may affect future results include: pricing pressures on loans and deposits, actions of bank and non-bank competitors, changes in local and national economic conditions, changes in regulatory requirements, actions of the Federal Reserve Board, the Corporation's success in merger and acquisition integration, and customers' acceptance of the Corporation's products and services.

Retail Strategy People and Relationships Create Financial Success Together With Our Customers And Career Success Together With Our Employees

Value Components People Place Promotion Product Price

Our Relationship Strategy Long-term successful employees Long-term successful customers Long-term successful shareholders

Fulton Financial Corporation Business Model: Unique Effective Different affiliate strategies, cultures and markets

Our Business Model Systems and Processes = Corporate People and Relationships = Affiliate

Our Business Model Affiliate knows local markets best Maintains established local brand value Proprietary retail expertise and strategy Prestigious jobs in local markets Pricing autonomy Performance goals Affiliate plan execution

Growth Organic and acquisitive Resource Bank =development track lending Skylands Community Bank = small business/ lines of credit Premier Bank = commercial real estate lending Leverage affiliate strength to build retail base

Contribution to Total Revenue Retail = Commercial

Retail Objectives Increase contribution of retail banking Continue de-novo branching Rational funding costs Price as introductory value proposition

Retail Objectives Increase average branch size Increase new household penetration Expand existing relationships

The Customer "Experience" Holistic, needs-based sales Positively memorable Warm, personal and consistent

The Customer Experience Service not just Servicing

The Customer Experience Retention Increase "cost of exit" through close, personal relationships

The Customer Experience Corporate-wide Retail Steering Committee Representation from all affiliates Senior retail decision makers Best practices adopted across footprint

Retail Initiatives Value-creating offer at every touch point Full customer relationship snapshot No two customers alike Know most profitable segments Data mining and direct marketing

Employee Retention 2000 2001 2002 2003 2004 Exempt 88 88.8 91.1 92.4 87.6 Non-exempt 75 77.3 78.8 78.4 73.5 Overall 78.7 79.7 81.2 82.6 78.2

Fulton Financial Corporation High Touch and High Tech

Customer Acquisition Strategies Lead product prospecting and promotion Small business as retail portal Relationship / reward packaging Team sales incentives Customer centricity Consistent promotional activity

Retention Strategy Service Relationships Experience High Customer Satisfaction

Customer Satisfaction *Retail: 90% extremely/very satisfied Commercial: 90% extremely/very satisfied Fulton Financial Advisors: 80+% very satisfied/satisfied Fulton Mortgage Company: 99% of expectations met/exceeded 98% would recommend FMC to others *Compared to national average of 62% Source: 2005 American Banker/Gallup Consumer Survey

Stock Performance (1982 - 2004) WITHOUT dividend reinvestment: 15% compounded annual rate of return WITH dividend reinvestment: 19% compounded annual rate of return

17 South Financial Group, Inc. (The) 18 First Midwest Bancorp, Inc. 19 Susquehanna Bancshares, Inc. 20 United Bankshares, Inc. 21 Sky Financial Group Inc. 22 Mercantile Bankshares Corporation 23 Citizens Banking Corporation 24 Valley National Bancorp 25 Wilmington Trust Corporation 26 BancorpSouth, Inc. 27 UMB Financial Corporation 28 Trustmark Corporation 29 FirstMerit Corporation 30 Greater Bay Bancorp 31 Old National Bancorp Peer Group Five-Year Total Return (12/31/04) 1 First Republic Bank 2 Hibernia Corporation 3 Bank of Hawaii Corporation 4 International Bancshares Corporation 5 TCF Financial Corporation 6 BOK Financial Corporation 7 Colonial BancGroup, Inc. 8 Amegy Bancorp, Inc. 9 City National Corporation 10 Fulton Financial Corporation 11 First Citizens BancShares, Inc. 12 Whitney Holding Corporation 13 Cullen/Frost Bankers, Inc. 14 Associated Banc-Corp 15 Commerce Bancshares, Inc. 16 Hudson United Bancorp Peer group average: 117% Fulton Financial: 130%

Proven business model Consistent performance 8.8% compounded annual growth rate in earnings per share 23 consecutive years of record earnings 31 consecutive years of dividend increases 10.3% compounded annual growth rate in dividends per share What have we accomplished?

Fulton Financial Corporation One Penn Square Lancaster, PA 17602 www.fult.com