8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934

Date of Report:	November 12, 2004
Date of earliest event reported:	November 12, 2004

FULTON FINANCIAL CORPORATION
(Exact Name of Registrant as specified in its charter)

Pennsylvania (State or other jurisdiction of incorporation)	0-10587 Commission File No.	23-2195389 (IRS Employer Identification Number)
One Penn Square, P.O. Box 4887, Lancaster, PA (Address of principal executive offices)		17604 (Zip Code)

Registrant's telephone number, including area code: (717) 291-2411

Former name or former address, if changed since last report: N/A

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions (see General Instruction A.2. below):

     |  |     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     |  |     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     |  |     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01.     Regulation FD Disclosure and

Item 8.01.     Other Event of Importance to Shareholders

     Fulton announced today that it entered into an accelerated share repurchase program with Bear Stearns International Limited. Pursuant to the accelerated share repurchase, Fulton repurchased one million shares of its common stock on November 11, 2004. The accelerated share repurchase program allowed Fulton to purchase the shares immediately from Bear Stearns, and Bear Stearns may cover its position by purchasing the shares in the open market. The repurchase is further described in the press release, attached hereto as Exhibit 99.1.

Item 9.01.     Financial Statements and Exhibits

          (c) Exhibits

               99.1     Press Release, dated November 12, 2004

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.

	FULTON FINANCIAL CORPORATION
Date:  November 12, 2004	By:  /s/ Charles J. Nugent                                         Charles J. Nugent           Senior Executive Vice President and Chief Financial Officer

EX-99

Fulton FinancialCORPORATION

FOR IMMEDIATE RELEASE Full text available on PR NEWSWIRE Contact:   Laura J. Wakeley Phone:     717-291-2616

Fulton Financial announces accelerated stock repurchase

     (November 12)  --  Lancaster, Pa  --  Fulton Financial Corporation (NASDAQ: FULT) today announced that it repurchased one million shares of its outstanding common stock in an accelerated share repurchase program on November 11, 2004.

     The shares were repurchased from Bear Stearns International Limited under an accelerated share repurchase program for a total cost of approximately $21.9 million, or $21.93 per share, subject to a market price adjustment provision based on the actual cost of Bear Stearns' share purchases over the next several months. The program allowed Fulton to purchase the shares immediately from Bear Stearns, and Bear Stearns may cover its position by purchasing the shares in the open market. The level of daily purchases under the program will be based on Fulton's average daily trading volume.

     The accelerated share repurchase program is part of Fulton's existing 4 million share repurchase program which was announced June 15, 2004. Fulton's Board of Directors approved the program initially and, more recently, the addition of the accelerated share repurchase program. After the accelerated share repurchase, Fulton has approximately 1.5 million shares remaining under the share repurchase authorization. The company may repurchase these remaining shares from time to time in the open market or through negotiated or accelerated share repurchase transactions, subject to market conditions. Both the initial purchase by Fulton from Bear Stearns and the subsequent purchases by Bear Stearns in the open market will be pursuant to a Rule 10b5-1 plan established by Fulton, and the Bear Stearns purchases in the open market will be accomplished in accordance with the Rule 10b-18 guidelines applicable to Fulton .

     "This accelerated share repurchase enables Fulton Financial to more effectively carry out the share repurchase program announced in June 2004," said Rufus A. Fulton, Jr., chairman and chief executive officer. "The repurchase also reflects our confidence in Fulton Financial's long-term potential for growth and profitability."

     Fulton Financial Corporation is a financial holding company which operates 208 banking offices in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through the following affiliates: Fulton Bank, Lancaster, PA; Lebanon Valley Farmers Bank, Lebanon, PA; Swineford National Bank, Middleburg, PA; Lafayette Ambassador Bank, Easton, PA; FNB Bank, N.A., Danville, PA; Hagerstown Trust, Hagerstown, MD; Delaware National Bank, Georgetown, DE; The Bank, Woodbury, NJ; The Peoples Bank of Elkton, Elkton, MD; Skylands Community Bank, Hackettstown, NJ; Premier Bank, Doylestown, PA; and Resource Bank, Virginia Beach, VA.

     The Corporation's financial services affiliates include Fulton Financial Advisors, N.A., Lancaster, PA; Fulton Insurance Services Group, Inc. Lancaster, PA; and Dearden, Maguire, Weaver and Barrett, LLC, West Conshohocken, PA.

     Residential mortgage lending is offered through Fulton Mortgage Company and Resource Mortgage.

     Additional information on Fulton Financial Corporation is available on the Internet at www.fult.com.

Forward-Looking Statements:

     This news release may contain forward-looking statements about Fulton Financial Corporation's future financial performance. Forward-looking statements are encouraged by the Private Securities Litigation Reform Act of 1995.

     Such forward-looking information is based upon certain underlying assumptions, risks and uncertainties. Because of the possibility of change in the underlying assumptions, actual results could differ materially from these forward-looking statements. Risks and uncertainties that may affect future results include: pricing pressures on loan and deposit products, actions of bank and non-bank competitors, changes in local and national economic conditions, changes in regulatory requirements, actions of the Federal Reserve Board, creditworthiness of current borrowers, the Corporation's success in merger and acquisition integration and customers' acceptance of the Corporation's products and services.

     The Corporation's forward-looking statements are relevant only as of the date on which such statements are made. By making any forward-looking statements, the Corporation assumes no duty to update them to reflect new, changing or unanticipated events or circumstances.