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 Exchange Act of 1934

Date of Report:	November 20, 2007
(Date of earliest event reported):	November 20, 2007
Commission File No. 0-10587

Fulton Financial Corporation

(Exact name of Registrant as specified in its Charter)

Pennsylvania	23-2195389
(State or other jurisdiction of incorporation)	(IRS Employer Identification Number)
One Penn Square Lancaster, Pennsylvania	17604
(Address of principal executive offices)	(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 obligation of the registrant under any of the following provisions:

|  |  Written communications pursuant to Rule 425 under the  Securities Act

|  |  Soliciting material pursuant to Rule 14a-12 under the Exchange Act

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

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

1

Item 7.01 - Regulation FD Disclosure.

Fulton Financial Corporation ("Fulton") has posted an updated Investor Presentation on its Investor Information website at www.fult.com. This Fulton Investor Presentation, attached as Exhibit 99.1 and incorporated by reference, has been updated as of November 20, 2007 and provides an overview of Fulton's strategy and performance. It is being furnished to the SEC and shall not be deemed to be "filed" for any purpose.

The investor presentation material may contain forward-looking statements about Fulton's growth and acquisition strategies, new products and services, and future financial performance, including earnings and dividends per share, return on average assets, return on average equity, efficiency ratio and capital ratio. 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 loans and deposits, actions of bank and non-bank competitors, changes in local and national economic conditions, changes in regulatory requirements, actions of the Federal Reserve Board, Fulton's success in merger and acquisition integration, and customer acceptance of Fulton's products and services. Fulton undertakes no obligation to revise or update such statements to reflect current events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

Item 9.01 - Financial Statements and Exhibits.

(d)  Exhibits Exhibit No.	Description
99.1	Fulton Financial Corporation Investor Presentation November 2007 (Revised)

2

SIGNATURES

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

Date:    November 20, 2007	Fulton Financial Corporation By: /s/ Charles J. Nugent
	Charles J. Nugent Senior Executive Vice President and Chief Financial Officer

3

EX-99

Fulton Financial Corporation

Investor Presentation

November 2007 (Revised)

1

Forward-Looking Statement

The following presentation may contain forward-looking statements about
Fulton Financial Corporation’s growth and acquisition strategies, new
products and services, and future financial performance, including
earnings and dividends per share, return on average assets, return on
average equity, efficiency ratio and capital ratio. 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 loans and
deposits, actions of bank and non-bank competitors, changes in local and
national economic conditions, changes in regulatory requirements,
actions of the Federal Reserve Board, the Corporation’s success in merger
and acquisition integration, and customers’ acceptance of the
Corporation’s products and services.

2

Presentation Outline

Corporate Overview

Growth Initiatives

Challenges

Financial Performance

3

Fulton Financial Profile

Regional financial holding company
(formed in 1982)

11 community banks and 3 financial
services affiliates in 5 states

267 community banking offices

Asset size:  $15.4 billion

Market capitalization:   $2.1 billion

4

25 consecutive years of record earnings

34 consecutive years of dividend increases

9.8% compounded annual growth rate in
dividends per share

8.5% compounded annual growth rate in
earnings per share (last 5 years = 7.0%)

25 bank acquisitions

What have we accomplished?

5

10-year Dividend History

0.2423

0.2672

0.3280

0.3662

0.4524

0.4932

0.5400

0.5810

0.2942

0.4050

0.5975

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

6

Quarterly Cash Dividend

15 cents

Dividend yield:  
approximately 4.7%

7

Capital (9/30/07)

$1.55 billion

$1.42 billion

12.30%

9.60%

7.60%

Total Capital (GAAP):

Total Regulatory Capital:

Ratios (estimated):

Total Risk-Based Capital

Tier 1 Risk-Based Capital

Leverage Capital

8

Stock Repurchase

April 2007: Announced 1 million
share buyback through 12/31/07.

Long history of repurchasing our
shares

9

Key Organic Growth Markets

10

Virginia Organic Growth Initiatives

Resource Bank to become division of
Fulton Bank

Transition from a nationwide
mortgage lender into a strong
community bank

Core funding and lending activities

Open new branches in strongest
eastern Virginia markets

Utilize Fulton critical mass

11

FFC Affiliates in Affluent Markets*

*Source: Bancology Vol. 24, September 2007

County

National

Ranking

Ranking in

State

Median HH

Ranking

FFC Affiliate

Hunterdon, NJ

#2

#1

$95,981

Skylands Bank

Loudoun, VA

#3

#1

$93,034

Resource Bank

Fairfax, VA

#4

#2

$91,851

Resource Bank

Morris, NJ

#6

#2

$90,417

Skylands Bank

Somerset, NJ

#7

#3

$90,411

Skylands Bank

Howard, MD

#9

#1

$86,370

Columbia Bank

12

Serving PA’s Strongest Markets*

*Source: SNL, Median HH Income, 2006 data

County

Rank

Projected

Change

2006 - 2011

Median

HH Income

2006

Projected HH

Income Change

2006 - 2011

Chester, PA

1

  9.63%

   $83,001

  25.46%

Montgomery, PA

2

3.05

77,383

23.86

Bucks, PA

3

4.06

76,234

23.89

Delaware, PA

4

0.17

63,220

20.68

Cumberland, PA

5

4.37

58,384

18.62

Northampton, PA

6

8.45

56,249

18.97

Lancaster, PA

8

4.62

55,546

17.63

York, PA

9

6.18

55,118

17.39

Lehigh, PA

10

5.46

55,107

19.86

Berks, PA

11

5.62

55,089

17.50

Average

4.66

61,370

19.82

Average of all other (57)

1.20

42,366

16.64

13

Q3/07

Tough quarter - $16.0 million charge
related to Resource Mortgage

Reported EPS of .19 cents

Good commercial loan growth: 12%
annualized

Asset quality good

Cash Management fees strong

Reviewing Resource Mortgage records

Higher funding costs due to CD growth

Loan loss provision increased

14

Components of $16 Million Charge

9.9 million – potential borrower

misrepresentation

3.6 million – added to existing
reserves
(valuations)

2.2 million – new and existing
outstanding repurchase requests

15

Resource Mortgage Review

The law firm of Wachtell, Lipton, Rosen & Katz was
hired to review loans originated by Resource
Mortgage

Wachtell hired Promontory Financial Group LLC to
assist in the review

Their review has been completed

Review focused on loans originated from January 1,
2005 through October 2007

Goal was to determine if there were additional
potentially material occurrences of misrepresentation
of borrower information

16

Resource Mortgage Review (Continued)

Review involved sampling and analyzing loan data,
document examination, and interviews

Sampling criteria: identifying loans with high loan to
value ratios, borrowers with low credit scores,
limited documentation, other “high-risk” criteria, and
certain previously identified loans

KPMG reviewed work-papers and sampling
methodology

Based on the results of the review, no changes were
required in the corporation’s consolidated financial
statements for the 3^rd quarter

17

Continued Challenges

Loan loss provision returning to
more normal levels  

Sluggish consumer sector

Resource Mortgage issues

Greater reliance on wholesale
funding / margin pressure

18

Consolidation, Standardization
and Centralization

19

Benefits of Consolidation

15 banking affiliates reduced to 11 in
seven months

Marketing and branding efficiencies

Leverage brand over wider market

Larger affiliate provides strong
leadership and management expertise

Business model intact

Fewer affiliates, faster standardization

20

Expense Reduction

Product standardization that
simplifies customer choices

Departmental centralization

Workforce management savings

Employee benefit plan consistency

Ongoing review of expenses

21

Customer Satisfaction

*Retail:

90% extremely/very satisfied

Commercial:

90% extremely/very satisfied

Fulton Financial Advisors:

80+% very satisfied/satisfied

Fulton Mortgage Company:

99% of expectations met/exceeded

98% would recommend FMC to others

*Compared to national average of 62%

  Source: American Banker/Gallup Consumer Survey

22

Market Opportunities

In market M&A = opportunity to grow
households faster

Leverage our high customer
satisfaction

Increased targeted advertising and
promotion

“Local” = perceived value

Customer retention is a key strength

23

41 relationships with commitments to lend

of $20 million or more

Maximum individual commitment of
$33 million

Average commercial lending relationship size is
$401,728

Loans and corresponding relationships are within
Fulton’s geographic market area

Summary of Larger Loans

24

Loan Diversification (9/30/07)

21%

13%

5%

31%

30%

Commercial

Commercial

Mortgage

Res Mtg and

Home Equity

Construction

Consumer and

other

25

Commercial Loan Concentration
By Industry(as of 9/30/07)

Industry

%

Construction

27.4

RE - Investor - Owned

22.2

Services

13.9

Manufacturing

7.3

Retail

6.1

Health Care

5.7

Agriculture

4.9

Wholesale

4.2

Other

3.1

Financial Services

2.1

Arts and Entertainment

1.9

Transportation

1.2

100.0

26

Credit Ratings

Moody’s Investor Services

Short-term rating    P-1

Long-term rating

IssuerA-2

Lead Bank DepositsA-1

Outlook           Stable

Fitch Ratings

Short-term rating    F-1

Long-term rating     A-

Outlook            Stable

Standard & Poors

Credit RatingBBB+

Outlook            Stable

Dominion Bond Rating Service

Credit rating A

Outlook             Stable

27

Financial Performance

28

Quarter Ended September 30, 2007

$33.6 million

$0.19

$0.150

0.88%

8.67%

15.76%

Net income

(30.6% decrease from 2006)

Net income per share

(32.1% decrease from 2006)

Cash dividends per share

Return on assets

Return on equity

Return on tangible equity

29

International Bancshares Corporation

Old National Bancorp

South Financial Group, Inc.

Susquehanna Bancshares, Inc.

TCF Financial Corporation

Trustmark Corporation

UMB Financial Corporation

United Bankshares, Inc.

Valley National Bancorp

Whitney Holding Corporation

Wilmington Trust Corporation

Peer Group

Associated Banc-Corp

BancorpSouth, Inc.

Bank of Hawaii Corporation

BOK Financial Corporation

Citizens Banking Corporation

City National Corporation

Colonial BancGroup, Inc.

Commerce Bancshares, Inc.

Cullen/Frost Bankers, Inc.

First Citizens BancShares, Inc.

First Midwest Bancorp, Inc.

First Merit Corporation

30

Income Statement Summary
(September Year to Date)

2007

2006

$

%

Net Interest Income

365,090

$  

363,820

$  

1,270

$     

0%

Loan Loss Provision

(8,260)

(2,430)

(5,830)

240%

Other Income

110,530

104,000

6,530

6%

Securities Gains

2,280

5,520

(3,240)

-59%

Other Expenses

(307,010)

(271,240)

(35,770)

13%

Income Taxes

(48,090)

(60,750)

12,660

-21%

Net Income

114,540

$  

138,920

$  

(24,380)

$  

-18%

Earnings Per Share

$0.66

$0.80

-$0.14

-18%

(dollars in thousands)

31

Income Statement Summary
(linked quarter)

3rd Qtr

2nd Qtr

$

%

Net Interest Income

122,410

$  

120,910

$  

1,500

$     

1%

Loan Loss Provision

(4,610)

(2,700)

(1,910)

71%

Other Income

36,870

36,380

490

1%

Securities Gains

(130)

630

(760)

N/M

Other Expenses

(107,990)

(98,110)

(9,880)

10%

Income Taxes

(12,980)

(17,260)

4,280

-25%

Net Income

33,570

$   

39,850

$   

(6,280)

$   

-16%

Earnings Per Share

$0.19

$0.23

-$0.04

-17%

(dollars in thousands)

32

Average Loans
(September Year to Date)

2007

2006

$

%

(dollars in millions)

Commercial

3,160

$      

2,780

$   

380

$   

14%

Comm'l Mort

3,310

3,030

280

9%

Resid Mort

730

620

110

18%

Home Equity

1,440

1,400

40

3%

Construction

1,390

1,320

70

5%

Cons./Other

590

600

(10)

-2%

Total Loans

10,620

$   

9,750

$   

870

9%

33

Average Loans
Linked Quarter

3rd Q 07

2nd Q 07

$

%

(dollars in millions)

Commercial

3,280

$      

3,170

$   

110

$   

3%

Comm'l Mort

3,380

3,290

90

3%

Resid Mort

770

720

50

7%

Home Equity

1,450

1,430

20

1%

Construction

1,380

1,380

-

0%

Cons./Other

600

590

10

2%

Total Loans

10,860

$   

10,580

$  

280

3%

34

Net Interest Margin
(9/30/07)

3.69

3.61

3.47

3.25

3.50

3.75

4.00

4.25

4.50

4.75

FFC

Peer

Top 50

35

Net Interest Margin Trend

3.50

3.60

3.70

3.80

3.90

4.00

Q1 06

Q2 06

Q3 06

Q4 06

Q1 07

Q2 07

Q3 07

Reported

Core

36

Interest Rate Shocks
(9/30/07)

Rate ChangeNII Change (Annual)% Change

  +300 bp      + $   6.0 million    +  1.2%

  +200 bp      + $   4.7 million    +    .9%

  +100 bp        + $   2.9 million    +    .6%

  - 100 bp      -  $   4.3 million    -     .8%

  - 200 bp      -  $ 12.6 million    -   2.4%

  - 300 bp      -  $ 22.6 million    -   4.4%

6 month cumulative gap – 0.90

37

Investment Portfolio
(9/30/2007)

ENDING

MODIFIED

BALANCE

DURATION

CREDIT RATING

(000's)

Mortgage-backed securities

1,334.6

$     

3.03

AAA

Municipal bonds

496.0

4.04

AAA

Collateralized mortgage obligations

543.6

3.57

AAA

U.S. Treasuries and agencies

261.7

2.01

AAA

Corporate & trust preferred securities

135.9

8.64

Various

Bank stocks

92.3

NA

Not rated

FHLB stock

102.4

NA

AAA

Other investments

21.5

NA

Unrealized gain - bank stock

(12.9)

Unrealized loss-bonds

(26.8)

Total Investments

2,948.3

$     

3.47

38

Average Deposits
(Year to Date September)

2007

2006

$

%

(dollars in millions)

Nonint DDA

1,730

$     

1,820

$   

(90)

$   

-5%

Int DDA

1,690

1,680

10

1%

Savings/MMDA

2,280

2,340

(60)

-3%

CD's

4,540

4,040

500

12%

Cash Mgt

630

490

140

29%

Total Deposits

10,870

$  

10,370

$  

500

$   

5%

39

Average Deposits
Linked Quarter

3rd Q 07

2nd Q 07

$

%

(dollars in millions)

Nonint DDA

1,700

$     

1,760

$   

(60)

$   

-3%

Int DDA

1,730

1,680

50

3%

Savings/MMDA

2,260

2,300

(40)

-2%

CD's

4,630

4,530

100

2%

Cash Mgt

690

630

60

10%

Total Deposits

11,010

$  

10,900

$  

110

$   

1%

40

Net Charge-Offs To Loans
(9/30/07)

0.07

0.15

0.18

0.00

0.10

0.20

0.30

0.40

0.50

0.60

0.70

0.80

90

91

92

93

94

95

96

97

98

99

00

01

02

03

04

05

06

6/07

9/07

FFC

Peer

Top 50

41

Other Income
(Year to Date September)

2007

2006

$

%

(dollars in thousands)

Invt Mgt & Trust

29,370

$     

27,980

$     

1,390

$      

5%

Overdraft & NSF Fees

15,260

15,120

140

1%

Mort. Sales Gains

12,110

15,440

(3,330)

-22%

Service Charges

9,450

9,970

(520)

-5%

Cash Mgt Fees

8,430

7,390

1,040

14%

Success Card Fees

6,320

5,490

830

15%

Other

29,590

22,610

6,980

31%

Total

110,530

$   

104,000

$   

6,530

$      

6%

42

Other Income
Linked Quarter

3rd Q 07

2nd Q 07

$

%

(dollars in thousands)

Invt Mgt & Trust

9,290

$      

10,270

$     

(980)

$        

-10%

Overdraft & NSF Fees

5,280

5,210

70

1%

Service Charges

3,150

3,150

-

0%

Cash Mgt Fees

2,870

2,860

10

0%

Mort. Sales Gains

2,530

4,190

(1,660)

-40%

Success Card Fees

2,180

2,220

(40)

-2%

Other

11,570

8,480

3,090

36%

Total

36,870

$     

36,380

$     

490

$         

1%

43

Efficiency Ratio
(9/30/07)

62.0

59.2

58.8

50.0

52.0

54.0

56.0

58.0

60.0

62.0

93

94

95

96

97

98

99

00

01

02

03

04

05

06

6/07

9/07

FFC

Peer

Top 50

44

Other Expense
(Year to Date September)

2007

2006

$

%

(dollars in thousands)

Salaries & Benefits

164,350

$  

158,370

$  

5,980

$   

4%

Occupancy & Equip.

40,550

37,650

2,900

8%

Operating Risk Loss

26,460

3,480

22,980

660%

DP/Software/Telecom

19,420

18,570

850

5%

Amortization

6,180

5,880

300

5%

Other Expenses

50,050

47,290

2,760

6%

Total

307,010

$  

271,240

$  

35,770

$  

13%

45

Other Expense
Linked Quarter

3rd Q 07

2nd Q 07

$

%

(dollars in thousands)

Salaries & Benefits

52,510

$   

55,550

$   

(3,040)

$   

-5%

Occupancy & Equip.

13,250

13,390

(140)

-1%

Operating Risk Loss

16,340

4,200

12,140

289%

DP/Software/Telecom

6,470

6,630

(160)

-2%

Amortization

2,000

2,200

(200)

-9%

Other Expenses

17,420

16,140

1,280

8%

Total

107,990

$  

98,110

$   

9,880

$   

10%

46

Fulton Financial Corporation

One Penn Square

Lancaster, PA  17602

www.fult.com

47

48