Exhibit 21 - Subsidiaries of the Registrant

The following are the subsidiaries of Fulton Financial Corporation:

	State of Incorporation	Name Under Which
Subsidiary	or Organization	Business is Conducted
Fulton Bank	Pennsylvania	Fulton Bank
One Penn Square
P.O. Box 4887
Lancaster, Pennsylvania 17604
Lebanon Valley Farmers Bank	Pennsylvania	Lebanon Valley Farmers Bank
555 Willow Street
P. O. Box 1285
Lebanon, Pennsylvania 17042
Swineford National Bank	United States of America	Swineford National Bank
1255 North Susquehanna Trail
P.O Box 241
Hummels Wharf, Pennsylvania 17831
Lafayette Ambassador Bank	Pennsylvania	Lafayette Ambassador Bank
P.O. Box 25091
Lehigh Valley, Pennsylvania 18002
Fulton Financial Realty Company	Pennsylvania	Fulton Financial Realty Company
One Penn Square
P.O. Box 4887
Lancaster, Pennsylvania 17604
Fulton Reinsurance Company, LTD	Turks & Caicos Islands	Fulton Reinsurance Company, LTD
One Beatrice Butterfield Building
Butterfield Square, Providenciales
Turks & Caicos Islands, BWI
FNB Bank, N.A.	United States of America	FNB Bank, N.A.
354 Mill Street
P.O. Box 279
Danville, Pennsylvania 17821
Hagerstown Trust Company	Maryland	Hagerstown Trust
83 West Washington Street
Hagerstown, Maryland 21740
Central Pennsylvania Financial Corp.	Pennsylvania	Central Pennsylvania Financial Corp.
100 W. Independence Street
Shamokin, PA 17872
Delaware National Bank	United States of America	Delaware National Bank
9 South Dupont Highway
P. O. Box 520
Georgetown, DE 19947
The Bank	New Jersey	The Bank
100 Park Avenue
P.O. Box 832
Woodbury, NJ 08096

Exhibit 21 - Subsidiaries of the Registrant (Continued)

	State of Incorporation	Name Under Which
Subsidiary	or Organization	Business is Conducted
FFC Management, Inc.	Delaware	FFC Management, Inc.
P.O. Box 609
Georgetown, DE 19947
The Peoples Bank of Elkton	Maryland	The Peoples Bank of Elkton
130 North Street
P.O. Box 220
Elkton, MD 21922-0020
Skylands Community Bank	New Jersey	Skylands Community Bank
176 Mountain Avenue
Hackettstown, NJ 07840
Fulton Financial Advisors,      National Association	United States of America	Fulton Financial Advisors, N.A.
One Penn Square
P.O. Box 7989
Lancaster, Pennsylvania 17604
Fulton Insurance Services Group, Inc.	Pennsylvania	Fulton Insurance Services Group, Inc.
One Penn Square
P.O. Box 7989
Lancaster, Pennsylvania 17604
FFC Penn Square, Inc.	Delaware	FFC Penn Square, Inc.
P.O. Box 609
Georgetown, DE 19947
PBI Capital Trust	Delaware	PBI Capital Trust
919 Market Street, Suite 700
Wilmington, DE 19801
Premier Capital Trust II	Delaware	Premier Capital Trust II
919 Market Street, Suite 700
Wilmington, DE 19801
Resource Bank	Virginia	Resource Bank
3720 Virginia Beach Blvd.
Virginia Beach, VA 23452

Exhibit 21 - Subsidiaries of the Registrant (Continued)

	State of Incorporation	Name Under Which
Subsidiary	or Organization	Business is Conducted
Resource Capital Trust III	Virginia	Resource Capital Trust III
3720 Virginia Beach Blvd.
Virginia Beach, VA 23452
Virginia Financial Services, LLC	Virginia	Virginia Financial Services, LLC
One Commercial Place #2000
Norfolk, VA
First Washington State Bank	New Jersey	First Washington State Bank
Route 130 and Main Street
Windsor, NJ 08561
Somerset Valley Bank	New Jersey	Somerset Valley Bank
70 East Main Street
Somerville, NJ 08776
SVB Bald Eagle Statutory Trust I	Connecticut	SVB Bald Eagle Statutory Trust I
Hartford, CT
SVB Bald Eagle Statutory Trust II	Connecticut	SVB Bald Eagle Statutory Trust II
Hartford, CT
Columbia Bank	Maryland	Columbia Bank
7168 Gateway Drive
Columbia, MD 21046
Columbia Capital Trust I	Delaware	Columbia Capital Trust I
7168 Gateway Drive
Columbia, MD 21046
Columbia Capital Trust II	Delaware	Columbia Capital Trust II
7168 Gateway Drive
Columbia, MD 21046
Columbia Capital Trust III	Delaware	Columbia Capital Trust III
7168 Gateway Drive
Columbia, MD 21046
Fulton Capital Trust I	Pennsylvania	Fulton Capital Trust I
One Penn Square
P.O. Box 4887
Lancaster, PA 17604-4887