Exhibit 23 - Independent Auditors' Consent

The Board of Directors
Fulton Financial Corporation:

We consent to the incorporation by reference in the registration statements
(Nos. 333-05481, 333-44788, 333-81377, 333-64744, 333-76600, 333-76596,
333-76594) on Forms S-8 and registration statements (Nos. 33-37835, 333-61268)
on Forms S-3 of Fulton Financial Corporation and subsidiaries of our report
dated January 20, 2003, with respect to the consolidated balance sheet of Fulton
Financial Corporation and subsidiaries as of December 31, 2002, and the related
consolidated statements of income, shareholders' equity and cash flows for the
year then ended, which report appears in the December 31, 2002 annual report on
Form 10-K of Fulton Financial Corporation and subsidiaries.

/s/  KPMG LLP



Lancaster, Pennsylvania
March 25, 2003

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