Exhibit 12

Fulton Financial Corporation
Computation of Ratio of Earnings to Fixed Charges
(dollars in thousands)

	Quarter Ended						Year Ended										Columbia		FMV
	9/30						December 31												Adjustments
	2005		Pro Forma		2004		2004		2003		2002		2001		2000		9/30/2005
Income before taxes, extraordinary items and cumulative effect of changes in accounting principles	$	179,095	$	192,620	$	157,225	$	214,281	$	195,451	$	187,135	$	157,898	$	149,321	$	18,483	$	(4,958	)
Fixed charges:
Interest on Deposits	$	97,392	$	108,748	$	65,339	$	89,779	$	94,198	$	125,394	$	186,969	$	187,601	$	10,650	$	706
Interest on borrowings	$	51,473	$	56,003	$	33,394	$	46,215	$	36,896	$	32,825	$	40,993	$	56,273	$	4,699	$	(169	)
Total fixed charges	$	148,865	$	164,751	$	98,733	$	135,994	$	131,094	$	158,219	$	227,962	$	243,874	$	15,349	$	537
Income before taxes, extraordinary items and cumulative effect of changes in accounting principles and fixed charges	$	327,960	$	357,371	$	255,958	$	350,275	$	326,545	$	345,354	$	385,860	$	393,195	$	33,832	$	(4,421	)
Ratio of earning to fixed charges		2.2		2.2		2.6		2.6		2.5		2.2		1.7		1.6
Income before taxes, extraordinary items and cumulative effect of changes in accounting principles and fixed charges less interest on deposits	$	230,568	$	248,623	$	190,619	$	260,496	$	232,347	$	219,960	$	198,891	$	205,594	$	23,182	$	(5,127	)
Ratio of earning to fixed charges less interest on deposits		4.5		4.4		5.7		5.6		6.3		6.7		4.9		3.7
Including interest on deposits		2.20		2.17		2.59		2.58		2.49		2.18		1.69		1.61
Excluding interest on deposits		4.48		4.44		5.71		5.64		6.30		6.70		4.85		3.65
Income before taxed	$	179,095	$	192,620	$	157,225	$	214,281	$	195,451	$	187,135	$	157,898	$	149,321	$	18,483	$	(4,958	)
Total interest expense	$	148,865	$	164,751	$	98,733	$	135,994	$	131,094	$	158,219	$	227,962	$	243,874	$	15,349	$	537
Interest expense on deposits	$	97,392	$	108,748	$	65,339	$	89,779	$	94,198	$	125,394	$	186,969	$	187,601	$	10,650	$	706