Exhibit 99.2 - Certification of Chief Financial Officer
            pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

I, Charles J. Nugent, Chief Financial Officer of Fulton Financial Corporation,
provide the following statement pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002:

The Form 10-Q of Fulton Financial Corporation, containing the consolidated
financial statements for the three and nine month periods ended September 30,
2002, 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 three and nine month
periods ended September 30, 2002.

Dated:  November 14, 2002.
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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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