Exhibit 99.1

Fulton Financial Corporation

Presentation to:

RBC Capital Markets

September 19, 2003

Fulton Financial Corporation 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.

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Presentation outline

R. Scott Smith, Jr.	President and COO
¨ Corporate profile
¨ Strategic initiatives
¨ Asset quality
¨ Future direction

Charles J. Nugent	Senior Exec. VP/CFO
¨ Financial performance

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Fulton Financial profile

¨ Regional financial holding company (formed in 1982)

¨ 11 bank subsidiaries; 3 financial services subsidiaries

¨ Asset size: $9.2 billion

¨ Second largest commercial bank headquartered in Third Federal Reserve District

¨ Fulton Bank founded in 1882

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Where are we located?

¨ The Bank	[GRAPHIC]
¨ Delaware National Bank
¨ FNB Bank
¨ Fulton Bank
¨ Hagerstown Trust
¨ Lafayette Ambassador Bank
¨ Lebanon Valley Farmers Bank
¨ The Peoples Bank of Elkton
¨ Premier Bank
¨ Resource Bankshares Corp. (Pending)
¨ Skylands Community Bank
¨ Swineford National Bank

Fulton Financial Corporation 5

Assets by affiliate

(as of 6/30/03, in thousands)

¨ Fulton Bank	$	3,800,000
¨ Lafayette Ambassador Bank		1,087,000
¨ The Bank		1,050,000
¨ Lebanon Valley Farmers Bank		779,000
¨ Premier Bank		607,000
¨ Hagerstown Trust Company		451,000
¨ Skylands Community Bank		375,000
¨ Delaware National Bank		338,000
¨ FNB Bank, N.A.		306,000
¨ Swineford National Bank		277,000
¨ The Peoples Bank of Elkton		105,000

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Fulton Financial Advisors, N.A.

Includes Dearden Maguire Weaver and Barrett, LLC and Fulton Insurance Services Group

As of: (June 30, 2003)

$4.6 billion; $3.3 billion in assets under management

Products and Services

¨ Personal trust	¨ Insurance
¨ Asset management	¨ Corporate trust
¨ Retirement services	¨ Cash management
¨ Brokerage	¨ Private banking

¨ Named Community-Based Bank Brokerage Program of the Year by Bank Insurance and Securities Association (BISA)

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Fulton Mortgage Company

¨ Established April 2001

¨ New entity to coordinate residential mortgage lending throughout FFC

n Expanded, competitive product line to customers of all affiliates

n In partnership with each affiliate, focused management team on residential mortgages

n Entry into new markets for FFC

¨ On target for record originations this year

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Mission statement

¨ We will increase shareholder value and enrich the communities we serve by creating financial success together with our customers and career success together with our employees.

We will conduct all of our business with honesty and integrity.

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Corporate ethics

¨ Longstanding written code of conduct

¨ No “gray” areas

¨ Expectations clearly outlined

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What have we accomplished?

¨ 9.3% compounded annual growth rate in earnings per share

¨ 21 consecutive years of record earnings

¨ 29 consecutive years of dividend increases

¨ 10.3% compounded annual growth rate in dividends per share

¨ Proven business model

¨ Consistently high performance

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Five-year performance

	1998			2002
Net income per share	$	.88		$	1.23
Cash dividends per share	$	.37		$	.56
Return on assets		1.60	%		1.68	%
Return on equity		15.06	%		15.86	%
Efficiency ratio		55.3	%		52.4	%
Dividend payout		41.6	%		45.4	%

All information is as originally reported

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Stock highlights (as of 8/31/03)

Average daily trading volume	187,053
Number of Market Makers	36
Number of Analysts	11
Number of shares outstanding	109.4 million
Market Capitalization	$2.2 billion

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Employee stock ownership

¨ 70% of our employees collectively own more than 2 million shares of Fulton Financial Corporation stock.

¨ Stock options help us to retain long-term loyal employees

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Stock performance (1982-6/30/03)

¨ WITHOUT dividend reinvestment:

15% compounded annual rate of return

¨ WITH dividend reinvestment:

19% compounded annual rate of return

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Employee retention

[GRAPHIC]

¨ Exempt

¨ Non-exempt

¨ Overall

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Employee opinion survey

¨ Customer service	¨ Training and development
¨ Management team performance	¨ Sales orientation
¨ Company image and mission	¨ Work effectiveness
¨ Team orientation	¨ Pay and benefits
¨ Technology and systems	¨ Employee satisfaction

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Retail customer satisfaction

¨ 96% of customers are Extremely or Very Satisfied with their Fulton Financial affiliate bank

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Deposit composition trends

	June ‘03	June ‘02
Non Interest-Bearing Demand	19%	17%
Interest-Bearing Demand	16%	14%
Money Market	13%	13%
Savings	11%	11%
Time Deposits	36%	40%
Customer Repos	5%	5%
Total Deposits	100%	100%

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Funding sources

as of 6/30/03

[GRAPHIC]

Deposits and Customer Repurchase Agreements	79%
Capital	10%
Other Borrowings	9%
Other Liabilities	2%

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Commercial customer satisfaction

¨ 86% of commercial customers are satisfied or very satisfied – results compare favorably to industry benchmarks

¨ Top three rated attributes:

n Services offered

n Convenient bank locations

n Accurate communications

¨ Corporate customers state that what makes Fulton unique is the personal service they receive

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Community involvement

¨ Employees are actively involved in their own communities

¨ The community benefits from this support

¨ The banks receive additional business as a result of the relationships and goodwill that are developed

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Corporate strategic initiatives

¨ Achieving consistent earnings growth

¨ Maintaining high asset quality

¨ Expanding the franchise through our well-developed acquisition strategy

¨ Diversifying revenue stream by increasing the contribution of non-interest income

¨ Managing capital

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Capital (At June 30, 2003)

¨ Total Capital (GAAP):	$	874 million
¨ Total Risk-based Capital:	$	857 million
¨ Ratios:
¨ Total RB Capital		13.9	%
¨ Tier 1 RB Capital		12.7	%
¨ Leverage Capital		9.4	%

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Proforma Capital (At June 30, 2003)

¨ Total Risk-based Capital:	$	960 million
¨ Ratios:
¨ Total RB Capital		12.3	%
¨ Tier 1 RB Capital		10.9	%
¨ Leverage Capital		8.0	%

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Acquisitions

n Resource Bankshares (pending)	n Bank of Gloucester County
n Premier Bank	n Delaware National Bank
n Drovers & Mechanics Bank	n Central Pennsylvania Savings Association
n 18 Sovereign Bank Branches	n Hagerstown Trust Company
n Dearden, Maguire, Weaver and Barrett, Inc.	n Denver National Bank
n Skylands Community Bank	n Great Valley Savings Association
n Ambassador Bank of the Commonwealth	n First National Bank of Danville
n Lebanon Valley National Bank	n Second National Bank of Nazareth
n Peoples Bank of Elkton	n Lafayette Trust Bank
n Woodstown National Bank & Trust Company	n Pen Argyl National Bank
	n Swineford National Bank
	n Farmers Trust Bank

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Premier Bank

¨ A $600 million state chartered bank headquartered in Doylestown, PA

¨ Eight full-service offices serving Montgomery, Bucks and Northampton counties

¨ Historical double-digit growth in deposits, loans, fee income and net income

¨ Strong asset quality

¨ Premier branches are contiguous to current affiliate bank markets

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Resource Bankshares, Inc.

¨ Assets of $860 million; headquartered in Virginia Beach, Virginia

¨ The only Virginia-based bank with offices in Virginia’s three major markets

¨ Market area accounts for over 73% of all deposits in state of Virginia

¨ Allows for expansion of Fulton Financial Advisors, retail and commercial banking

¨ Senior lenders average 24 years of industry experience

Page 9

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What do we look for?

¨ High growth areas

¨ Dynamic market demographics

¨ Strong performance

¨ Asset quality

¨ Talented and dedicated staff

¨ Compatible corporate culture

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Acquisitions in new markets

What changes?

¨ Replicate strong credit culture

¨ Loan review

¨ Investments

¨ Asset/liability management

¨ Compliance

¨ Common operating platform

¨ Audit

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Acquisitions in new markets

What stays the same?

¨ Bank name

¨ Board of Directors

¨ Management team

¨ Employees

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Benefits to new affiliates

¨ Additional capital

¨ Increased lending capacity

¨ Reduced expenses

¨ Management focus on growth, customer service and sales

¨ Proven merger/conversion expertise

¨ Increased non-interest income due to introduction of new products and services

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Product availability

¨ Residential Mortgages	¨ On-line banking
¨ Investment Management	¨ Debit/Credit cards
¨ Brokerage Services	¨ Cash management
¨ Insurance (whole life, term life, long-term care through Advisors)	¨ Specialized lending (leasing and indirect) ¨ International Services
	¨ Correspondent banking

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Composition of total revenues

96	97	98	99	00	01	02	6/03
16.0%	16.2%	16.9%	17.9%	19.4%	22.9%	25.0%	28.0%

¨ Other Income ¨ Net Interest Income

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Other income (YTD June)

	2003		2002		$			%
	(dollars in thousands)
Invt Mgt & Trust	$	17,152	$	14,743	$	2,409		16	%
Mort. Sales & Serv.		11,792		6,064		5,728		94	%
Service Charges		7,766		7,472		294		4	%
Deposit-related fees		7,323		6,995		328		5	%
Cash Mgt Fees		3,628		3,619		9		0	%
Success Card Fees		2,641		2,326		315		14	%
Merchant Fees		2,056		1,893		163		9	%
Other		6,842		6,888		(330	)	-8	%
Total	$	59,200	$	50,000	$	9,246		18	%

Fulton Financial Corporation 35

Investment management and trust services revenue

1997	1998	1999	2000	2001	2002	6/03
13.2%	22.1%	26.8%	18.0%	31.6%	7.4%	11.0%

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Growth in other income

95	96		97		98		99		00		01		02		6/03
10.6%	13.3	%	10.4	%	10.6	%	13.4	%	14.3	%	35.8	%	18.4	%	18.3	%

Note: In 2001, we acquired Dearden, Maguire, Weaver & Barrett, LLC

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Moody’s Investor Service

¨ Short-term rating	P-1
¨ Long-term rating	A-1

Fitch Ratings

¨ Short-term rating	F-1
¨ Long-term rating	A

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Loan diversification

[CHART]	Consumer and Other	11	%
	Residential Mortgage	10	%
	Commercial Loans	32	%
	Home Equity	14	%
	Commercial Mortgage	33	%

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Summary of larger loans

¨ 21 relationships with commitments to lend of $20 million or more

¨ Maximum individual commitment of $30 million

¨ Average commercial loan commitment is $536,000

¨ Loans and corresponding relationships are within Fulton’s geographical market area

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Commercial loan concentration

by industry (as of 6/30/03)

Industry	%
Construction	17.2
R/E—Rental	16.6
Services	11.9
Manufacturing	10.4
Retail	8.2
Health Care	7.7
Other	7.5
Agriculture	6.4
Wholesale	5.9
Arts and Entertainment	4.1
Financial Services	2.2

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Experience of our lenders

¨ The officers who oversee all lending have each worked in this capacity at Fulton for more than 20 years.

¨ This consistency should enable Fulton Financial to maintain its high asset quality in the future.

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Possible Future

Expansion

[GRAPHIC]

¨ Current Markets

¨ Future Expansion

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Looking ahead

¨ Continue to build on our strengths

¨ Continue to rely on the expertise and skill of our employees

¨ Stick to banking basics while preparing for the future

¨ Enhance customer relationship management efforts

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Board of Directors

¨ Focused on maximizing shareholder value with an annual increase in earnings per share in the range of 10%

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Financial Highlights

Performance Overview

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Six months ended June 30, 2003

¨ $0.64	Net income per share
	(6.7% increase over 2002)
¨ $0.303	Cash dividends per share
	(11.4% increase over 2002)
¨ 1.64%	Return on Assets
¨ 15.88%	Return on Equity
¨ 52.90%	Efficiency Ratio

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Average Balances (YTD June)

	2003		2002		$			%
	(dollars in millions)
Investments	$	2,427	$	1,817	$	610		34	%
Loans		5,366		5,421		(55	)	-1	%
Deposits		6,553		6,195		358		6	%
Borrowings		840		625		215		34	%

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Average Loan Growth (YTD June)

	2003		2002		$			%
	(dollars in millions)
Commercial	$	1,706	$	1,537	$	169		11	%
Comm’l Mort		1,774		1,673		101		6	%
Resid Mort		558		821		(263	)	-32	%
Cons./Other		1,328		1,390		(62	)	-4	%
Total Loans	$	5,366	$	5,421		(55	)	-1	%

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Peer group

n Commerce Bancorp	n Provident Financial Group
n First Commonwealth Financial	n Riggs National Corp.
n First Financial Bancorp.	n Sky Financial Group Inc.
n FirstMerit Corp.	n Susquehanna Bancshares
n Fulton Financial Corp	n Trust Co. of New Jersey
n Hudson United Bancorp.	n TrustCo Bank Corp. of NY
n Mercantile Bankshares Corp.	n United Bankshares Inc.
n North Fork Bankcorp.	n Valley National Bancorp
n Provident Bankshares Corp.	n Wilmington Trust Co.

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Net charge-offs to average loans

[GRAPH]

Top 50 Peer FFC

Source: SNL Financial Datasource

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Non-performing assets to total assets

[GRAPHIC]

Top 50 Peer FFC

Source: SNL Financial Datasource

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Net interest margin

[GRAPHIC]

Top 50 Peer FFC

Source: SNL Financial Datasource

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Asset/Liability management

Interest rate “shocks” (as of 6/30/03)

¨ Impact on Net Interest Income:

Rate Change	NII Change (Annual)	% Change
+300 bp	+ $ 34.6 million	+12.2%
+200 bp	+ $ 26.5 million	+  9.4%
+100 bp	+ $ 16.7 million	+  5.9%
- 100 bp	-  $ 17.5 million	-   6.2%

Source: FFC Asset/Liability Modeling

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Investment portfolio

Portfolio Components ( in millions)	Ending Bal. 6/30/03		Average Life (yrs.)	Credit Rating
Mortgage-backed securities	$	1,951.4	2.3	AAA—agency issued
Treasuries and agencies	$	105.5	0.3	AAA
Municipals	$	269.2	3.5	AAA—insured
Bank-issued Trust preferred stock	$	20.6	24	various/callable: 5 yrs
Other/Short-term Inv.	$	40.6	NA	AAA
Bank Stocks	$	73.8	NA	not rated
FHLB Stock	$	47.9	NA	AAA
Unrealized Gain—Bank Stock	$	9.0
Unrealized Gain—Bonds	$	30.8
TOTAL INVESTMENTS	$	2,548.8	2.46

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Bank stock gains

(percent contribution to EPS)

[GRAPHIC]

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Efficiency ratio

[GRAPHIC]

Top 50 Peer FFC

Source: SNL Financial Datasource

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Other Expenses (YTD June)

	2003		2002		$			%
	(dollars in thousands)
Salaries & Benefits	$	67,814	$	63,665	$	4,149		7	%
Occupancy & Equip.		15,155		14,070		1,085		8	%
Data Processing		5,640		6,163		(523	)	-8	%
Advertising		3,019		3,653		(634	)	-17	%
Telecommun.		2,481		2,661		(180	)	-7	%
State Tax		2,204		2,728		(524	)	-19	%
Stat. & Supplies		2,146		2,439		(293	)	-12	%
Postage		2,006		2,012		(6	)	0	%
Operating Risk Loss		1,138		1,182		(44	)	-4	%
Amortization		719		719		—		0	%
Other Expenses		11,578		12,108		(530	)	-4	%
Total	$	113,900	$	111,400	$	2,500		2	%

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Accounting/Auditing

¨ Compliance with accounting standards

¨ Designated a financial expert

¨ Disclosure committee

¨ Enhanced Audit Committee role

¨ CFO certifications

¨ Audit Committee approvals of financial filings

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Looking ahead

Continued focus on:

¨ Strong asset quality

¨ Growth in non-interest income, particularly from Advisors

¨ Expansion of franchise geographically

¨ Increased loan activity

¨ Core deposit growth

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Overview

¨ Long-term, consistent performance

¨ Talented and dedicated employees

¨ Attractive returns for shareholders

¨ Career success for employees

¨ Financial success for customers

¨ Prosperity for communities

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Fulton Financial Corporation

One Penn Square

Lancaster, PA 17602

www.fult.com

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