EXHIBIT 99.1


                                 FORM OF PROXY

                                REVOCABLE PROXY

                        DROVERS BANCSHARES CORPORATION


          THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

                        SPECIAL MEETING OF SHAREHOLDERS

                                 May 17, 2001

  THE UNDERSIGNED hereby constitutes and appoints __________________________ and
_____________________________, and either of them, as lawful attorneys and
proxies of the undersigned, with full power of substitution, to represent and
vote, as directed below, all of the shares of Common Stock of Drovers Bancshares
Corporation held of record by the undersigned at the close of business on
______________, 2001, at the Special Meeting of the Shareholders of Drovers
Bancshares Corporation to be held on May 17, 2001, at 9:00 a.m.  at The
Historical Society of York County, 250 East Market Street, York, Pennsylvania
17401, or at any adjournment or postponement thereof, with all of the powers the
undersigned would possess if personally present, as follows:

     (1)  PROPOSAL to approve, adopt, ratify and confirm the Agreement and Plan
          of Merger, dated December 27, 2000, between Fulton Financial
          Corporation and Drovers Bancshares Corporation providing, among other
          things, for the merger of Drovers Bancshares Corporation with and into
          Fulton Financial Corporation and for the automatic conversion of each
          share of Drovers Bancshares Corporation common stock into 1.24 shares
          of common stock of Fulton Financial Corporation.

               [_]   FOR              [_]   AGAINST              [_]   ABSTAIN

     (2)  PROPOSAL to adjourn the special meeting if necessary, to permit
          further solicitation of proxies in the event there are not sufficient
          votes at the time of the special meeting to approve the merger
          agreement.

               [_]   FOR              [_]   AGAINST              [_]   ABSTAIN


     (3)  In their discretion the proxies are authorized to vote upon any other
          matter properly before the meeting.

  This proxy is revocable and will be voted as directed, but if no instructions
are specified, this proxy will be voted FOR each of the proposals listed.  If
any other business is presented





at the special meeting, this proxy will be voted by those named in this proxy in
their best judgment. At the present time, the Board of Directors knows of no
other business to be presented at the special meeting.


  The undersigned acknowledges receipt of the Notice of Special Meeting of
Shareholders and the Proxy Statement/Prospectus dated _______________, 2001, and
hereby revoke(s) all other proxies heretofore given by the undersigned in
connection with this meeting.


Date:
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                                                      Signature


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                                                      Signature

     Please sign exactly as your name appears.  When shares are held by joint
tenants, both should sign.  If signing for a corporation or a partnership, or as
attorney or fiduciary, indicate your full title.  If more than one fiduciary is
involved, all should sign.