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 quarter ended March 31, 2003, 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 quarter ended March 31, 2003.

Dated:     May 14, 2003
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      /s/ Charles J. Nugent
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          Charles J. Nugent
          Senior Executive Vice President and
          Chief Financial Officer