Exhibit 99.2

FULTON FINANCIAL CORPORATION

FINANCIAL HIGHLIGHTS (UNAUDITED)

	Quarter Ended March 31				Variance
	2005		2004		$			%
	(in thousands, except per-share data)
INCOME SUMMARY:
Interest income	$	140,810	$	113,936	$	26,874		23.6	%
Interest expense		42,562		30,969		11,593		37.4	%
Net Interest Income		98,248		82,967		15,281		18.4	%
Provision for loan losses		800		1,740		(940	)	-54.0	%
Investment securities gains		3,315		5,828		(2,513	)	-43.1	%
Other income		32,538		26,210		6,328		24.1	%
Other expenses		73,731		62,272		11,459		18.4	%
Income Before Income Taxes		59,570		50,993		8,577		16.8	%
Income taxes		18,039		15,147		2,892		19.1	%
Net Income	$	41,531	$	35,846	$	5,685		15.9	%
Fully taxable equivalent (FTE) net interest income	$	100,592	$	85,313	$	15,279		17.9	%
PER-SHARE DATA:
Net income:
Basic	$	0.33	$	0.32	$	0.01		3.1	%
Diluted		0.33		0.31		0.02		6.5	%
Cash dividends		0.165		0.152		0.013		8.6	%
ENDING BALANCES:
Total assets	$	11,418,278	$	9,620,191	$	1,798,087		18.7	%
Loans, net of unearned income		7,747,301		6,217,077		1,530,224		24.6	%
Deposits		7,981,147		6,784,175		1,196,972		17.6	%
Short-term borrowings		1,265,360		1,182,473		82,887		7.0	%
Long-term debt		773,129		571,964		201,165		35.2	%
Shareholders’ equity		1,235,519		968,449		267,070		27.6	%
AVERAGE BALANCES:
Total assets	$	11,210,219	$	9,676,495	$	1,533,724		15.8	%
Loans, net of unearned income		7,675,034		6,187,988		1,487,046		24.0	%
Deposits		7,912,299		6,718,058		1,194,241		17.8	%
Short-term borrowings		1,239,454		1,345,285		(105,831	)	-7.9	%
Long-term debt		681,450		570,075		111,375		19.5	%
Shareholders’ equity		1,249,868		949,725		300,143		31.6	%

FULTON FINANCIAL CORPORATION

FINANCIAL HIGHLIGHTS (UNAUDITED)

	Quarter Ended				Variance
	March 31 2005		December 31 2004		$			%
	(in thousands, except per-share data)
INCOME SUMMARY:
Interest income	$	140,810	$	130,736	$	10,074		7.7	%
Interest expense		42,562		37,261		5,301		14.2	%
Net Interest Income		98,248		93,475		4,773		5.1	%
Provision for loan losses		800		1,052		(252	)	-24.0	%
Investment securities gains		3,315		3,199		116		3.6	%
Other income		32,538		31,970		568		1.8	%
Other expenses		73,731		70,470		3,261		4.6	%
Income Before Income Taxes		59,570		57,122		2,448		4.3	%
Income taxes		18,039		17,035		1,004		5.9	%
Net Income	$	41,531	$	40,087	$	1,444		3.6	%
Fully taxable equivalent (FTE) net interest income	$	100,592	$	95,599	$	4,993		5.2	%
PER-SHARE DATA:
Net income:
Basic	$	0.33	$	0.33	$	—		—
Diluted		0.33		0.33		—		—
Cash dividends		0.165		0.165		—		—
ENDING BALANCES:
Total assets	$	11,418,278	$	11,158,351	$	259,927		2.3	%
Loans, net of unearned income		7,747,301		7,584,547		162,754		2.1	%
Deposits		7,981,147		7,895,524		85,623		1.1	%
Short-term borrowings		1,265,360		1,194,524		70,836		5.9	%
Long-term debt		773,129		684,236		88,893		13.0	%
Shareholders’ equity		1,235,519		1,242,290		(6,771	)	-0.5	%
AVERAGE BALANCES:
Total assets	$	11,210,219	$	10,542,258		667,961		6.3	%
Loans, net of unearned income		7,675,034		7,304,717		370,317		5.1	%
Deposits		7,912,299		7,508,299		404,000		5.4	%
Short-term borrowings		1,239,454		1,117,620		121,834		10.9	%
Long-term debt		681,450		668,239		13,211		2.0	%
Shareholders’ equity		1,249,868		1,119,427		130,441		11.7	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED CONDENSED ENDING BALANCE SHEET (UNAUDITED)

	March 31				Variance
	2005		2004		$			%
	(in thousands)
ASSETS
Cash and due from banks	$	336,039	$	308,269	$	27,770		9.0	%
Mortgage loans held for sale		163,004		28,818		134,186		465.6	%
Other interest-earning assets		84,123		3,949		80,174		2030.2	%
Investment securities		2,385,358		2,713,791		(328,433	)	-12.1	%
Loans, net of allowance		7,657,174		6,138,806		1,518,368		24.7	%
Premises and equipment		149,492		120,372		29,120		24.2	%
Accrued interest receivable		42,214		32,828		9,386		28.6	%
Goodwill and intangible assets		388,260		148,860		239,400		160.8	%
Other assets		212,614		124,498		88,116		70.8	%
Total Assets	$	11,418,278	$	9,620,191	$	1,798,087		18.7	%
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	7,981,147	$	6,784,175	$	1,196,972		17.6	%
Short-term borrowings		1,265,360		1,182,473		82,887		7.0	%
Long-term debt		773,129		571,964		201,165		35.2	%
Other liabilities		163,123		113,130		49,993		44.2	%
Total Liabilities		10,182,759		8,651,742		1,531,017		17.7	%
Shareholders’ equity		1,235,519		968,449		267,070		27.6	%
Total Liabilities and Shareholders’ Equity	$	11,418,278	$	9,620,191	$	1,798,087		18.7	%
LOANS AND DEPOSITS DETAIL:
Loans, by type:
Commercial, industrial and financial	$	1,975,980	$	1,621,583	$	354,397		21.9	%
Commercial - agricultural		319,647		339,032		(19,385	)	-5.7	%
Real estate - construction		690,326		289,271		401,055		138.6	%
Real estate - residential mortgage		556,966		436,043		120,923		27.7	%
Real estate - commercial mortgage		2,540,554		2,042,234		498,320		24.4	%
Real estate - home equity		1,110,126		914,891		195,235		21.3	%
Consumer		496,031		508,518		(12,487	)	-2.5	%
Leasing and other		57,671		65,505		(7,834	)	-12.0	%
Total Loans, net of unearned income	$	7,747,301	$	6,217,077	$	1,530,224		24.6	%
Deposits, by type:
Noninterest-bearing demand	$	1,579,400	$	1,328,266		251,134		18.9	%
Interest-bearing demand		1,479,124		1,269,315		209,809		16.5	%
Savings deposits		1,916,942		1,771,865		145,077		8.2	%
Time deposits		3,005,681		2,414,729		590,952		24.5	%
Total Deposits	$	7,981,147	$	6,784,175	$	1,196,972		17.6	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED INCOME STATEMENT (UNAUDITED)

	Quarter Ended March 31						Variance
	2005			2004			$			%
	(in thousands)
Interest Income:
Loans, including fees	$	116,628		$	88,466		$	28,162		31.8	%
Investment securities:
Taxable		18,261			21,736			(3,475	)	-16.0	%
Tax-exempt		2,849			2,533			316		12.5	%
Dividends		1,084			952			132		13.9	%
Mortgage loans held for sale		1,812			239			1,573		658.2	%
Other interest income		176			10			166		1660.0	%
Total Interest Income		140,810			113,936			26,874		23.6	%
Interest Expense:
Deposits		27,808			20,350			7,458		36.6	%
Short-term borrowings		6,824			3,327			3,497		105.1	%
Long-term debt		7,930			7,292			638		8.7	%
Total Interest Expense		42,562			30,969			11,593		37.4	%
Net Interest Income		98,248			82,967			15,281		18.4	%
Provision for loan losses		800			1,740			(940	)	-54.0	%
Net Interest Income after Provision		97,448			81,227			16,221		20.0	%
Other Income:
Investment management & trust services		9,019			8,645			374		4.3	%
Service charges on deposit accounts		9,332			9,505			(173	)	-1.8	%
Other service charges and fees		5,556			5,026			530		10.5	%
Gain on sale of mortgage loans		6,049			1,714			4,335		252.9	%
Investment securities gains		3,315			5,828			(2,513	)	-43.1	%
Other		2,582			1,320			1,262		95.6	%
Total Other Income		35,853			32,038			3,815		11.9	%
Other Expenses:
Salaries and employee benefits		44,201			36,758			7,443		20.2	%
Net occupancy expense		7,498			5,518			1,980		35.9	%
Equipment expense		3,070			2,641			429		16.2	%
Data processing		3,169			2,819			350		12.4	%
Advertising		1,973			1,528			445		29.1	%
Intangible amortization		1,179			991			188		19.0	%
Other		12,641			12,017			624		5.2	%
Total Other Expenses		73,731			62,272			11,459		18.4	%
Income Before Income Taxes		59,570			50,993			8,577		16.8	%
Income taxes		18,039			15,147			2,892		19.1	%
Net Income	$	41,531		$	35,846		$	5,685		15.9	%
SHARE PER-SHARE INFORMATION:
Net income:
Basic	$	0.33		$	0.32		$	0.01		3.1	%
Diluted		0.33			0.31			0.02		6.5	%
Cash dividends	$	0.165		$	0.152			0.01		8.6	%
Book value		9.82			8.51			1.31		15.4	%
Tangible book value		6.73			7.21			(0.48	)	-6.7	%
Weighted average shares (basic)		125,881			113,691			12,190		10.7	%
Weighted average shares (diluted)		127,431			114,681			12,750		11.1	%
Shares outstanding, end of period		125,872			113,738			12,134		10.7	%
SELECTED FINANCIAL RATIOS:
Return on average assets		1.50	%		1.49	%
Return on average equity		13.48	%		15.18	%
Return on average equity (tangible)		19.56	%		17.94	%
Net interest margin		3.95	%		3.79	%
Efficiency ratio		54.5	%		55.0	%
Average equity to average assets		11.1	%		9.8	%

FULTON FINANCIAL CORPORATION

AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)

	Quarter Ended March 31
	2005							2004
	Balance			Interest		Rate (1)		Balance			Interest		Rate (1)
	(dollars in thousands)
ASSETS
Interest-earning assets:
Loans and leases	$	7,675,034		$	116,628	6.16	%	$	6,187,988		$	88,466	5.75	%
Taxable investment securities		1,983,864			18,261	3.73	%		2,402,420			21,736	3.64	%
Tax-exempt investment securitites		335,355			2,849	3.45	%		276,143			2,533	3.69	%
Equity securities		123,800			1,084	3.55	%		131,553			952	2.91	%
Total Investment Securities		2,443,019			22,194	3.68	%		2,810,116			25,221	3.61	%
Mortgage loans held for sale		112,619			1,812	6.53	%		15,212			239	6.32	%
Other interest-earning assets		28,699			176	2.49	%		3,741			10	1.08	%
Total Interest-earning Assets		10,259,371			140,810	5.57	%		9,017,057			113,936	5.08	%
Noninterest-earning assets:
Cash and due from banks		322,793							300,789
Premises and equipment		149,017							121,428
Other assets		569,527							315,953
Less: allowance for loan losses		(90,489	)						(78,732	)
Total Assets	$	11,210,219						$	9,676,495
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	1,494,984		$	2,970	0.81	%	$	1,268,671		$	1,355	0.43	%
Savings deposits		1,911,820			4,466	0.95	%		1,760,104			2,507	0.57	%
Time deposits		2,996,377			20,372	2.76	%		2,431,742			16,488	2.73	%
Total Interest-bearing Deposits		6,403,181			27,808	1.76	%		5,460,517			20,350	1.50	%
Short-term borrowings		1,239,454			6,824	2.23	%		1,345,285			3,327	0.99	%
Long-term debt		681,450			7,930	4.72	%		570,075			7,292	5.14	%
Total Interest-bearing Liabilities		8,324,085			42,562	2.07	%		7,375,877			30,969	1.69	%
Noninterest-bearing liabilities:
Demand deposits		1,509,118							1,257,541
Other		127,148							93,352
Total Liabilities		9,960,351							8,726,770
Shareholders’ equity		1,249,868							949,725
Total Liabilities and Shareholders’ Equity	$	11,210,219						$	9,676,495
Net interest income				$	98,248						$	82,967
Net interest margin (FTE)						3.95	%						3.79	%

(1) Yields on tax-exempt securities are not fully taxable equivalent (FTE).

FULTON FINANCIAL CORPORATION

CONSOLIDATED CONDENSED ENDING BALANCE SHEET (UNAUDITED)

	Quarter Ended				Variance
	March 31 2005		December 31 2004		$			%
	(in thousands)
ASSETS
Cash and due from banks	$	336,039	$	278,065	$	57,974		20.8	%
Mortgage loans held for sale		163,004		158,872		4,132		2.6	%
Other interest-earning assets		84,123		36,688		47,435		129.3	%
Investment securities		2,385,358		2,449,859		(64,501	)	-2.6	%
Loans, net of allowance		7,657,174		7,494,920		162,254		2.2	%
Premises and equipment		149,492		146,911		2,581		1.8	%
Accrued interest receivable		42,214		40,633		1,581		3.9	%
Goodwill and intangible assets		388,260		389,322		(1,062	)	-0.3	%
Other assets		212,614		163,081		49,533		30.4	%
Total Assets	$	11,418,278	$	11,158,351	$	259,927		2.3	%
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$	7,981,147		7,895,524		85,623		1.1	%
Short-term borrowings		1,265,360		1,194,524		70,836		5.9	%
Long-term debt		773,129		684,236		88,893		13.0	%
Other liabilities		163,123		141,777		21,346		15.1	%
Total Liabilities		10,182,759		9,916,061		266,698		2.7	%
Shareholders’ equity		1,235,519		1,242,290		(6,771	)	-0.5	%
Total Liabilities and Shareholders’ Equity	$	11,418,278	$	11,158,351	$	259,927		2.3	%
LOANS AND DEPOSITS DETAIL:
Loans, by type:
Commercial, industrial and financial	$	1,975,980	$	1,946,962	$	29,018		1.5	%
Commercial - agricultural		319,647		326,176		(6,529	)	-2.0	%
Real estate - construction		690,326		626,786		63,540		10.1	%
Real estate - residential mortgage		556,966		543,072		13,894		2.6	%
Real estate - commercial mortgage		2,540,554		2,461,016		79,538		3.2	%
Real estate - home equity		1,110,126		1,108,249		1,877		0.2	%
Consumer		496,031		506,290		(10,259	)	-2.0	%
Leasing and other		57,671		65,996		(8,325	)	-12.6	%
Total Loans, net of unearned income	$	7,747,301	$	7,584,547	$	162,754		2.1	%
Deposits, by type:
Noninterest-bearing demand	$	1,579,400	$	1,507,799	$	71,601		4.7	%
Interest-bearing demand		1,479,124		1,501,476		(22,352	)	-1.5	%
Savings deposits		1,916,942		1,917,203		(261	)	0.0	%
Time deposits		3,005,681		2,969,046		36,635		1.2	%
Total Deposits	$	7,981,147	$	7,895,524	$	85,623		1.1	%

FULTON FINANCIAL CORPORATION

CONSOLIDATED INCOME STATEMENT (UNAUDITED)

	Quarter Ended						Variance
	March 31 2005			December 31 2004			$			%
	(in thousands)
Interest Income:
Loans, including fees	$	116,628		$	108,373		$	8,255		7.6	%
Investment securities:
Taxable		18,261			17,157			1,104		6.4	%
Tax-exempt		2,849			2,073			776		37.4	%
Dividends		1,084			1,044			40		3.8	%
Mortgage loans held for sale		1,812			2,041			(229	)	-11.2	%
Other interest-earning assets		176			48			128		266.7	%
Total Interest Income		140,810			130,736			10,074		7.7	%
Interest Expense:
Deposits		27,808			24,440			3,368		13.8	%
Short-term borrowings		6,824			4,880			1,944		39.8	%
Long-term debt		7,930			7,941			(11	)	-0.1	%
Total Interest Expense		42,562			37,261			5,301		14.2	%
Net Interest Income		98,248			93,475			4,773		5.1	%
Provision for Loan Losses		800			1,052			(252	)	-24.0	%
Net Interest Income after Provision		97,448			92,423			5,025		5.4	%
Other Income:
Investment management & trust services		9,019			8,885			134		1.5	%
Service charges on deposit accounts		9,332			9,835			(503	)	-5.1	%
Other service charges and fees		5,556			5,131			425		8.3	%
Gain on sale of mortgage loans		6,049			5,803			246		4.2	%
Investment securities gains		3,315			3,199			116		3.6	%
Other		2,582			2,316			266		11.5	%
Total Other Income		35,853			35,169			684		1.9	%
Other Expenses:
Salaries and employee benefits		44,201			41,422			2,779		6.7	%
Net occupancy expense		7,498			6,277			1,221		19.5	%
Equipment expense		3,070			2,674			396		14.8	%
Data processing		3,169			2,828			341		12.1	%
Advertising		1,973			1,870			103		5.5	%
Intangible amortization		1,179			1,146			33		2.9	%
Other		12,641			14,253			(1,612	)	-11.3	%
Total Other Expenses		73,731			70,470			3,261		4.6	%
Income Before Income Taxes		59,570			57,122			2,448		4.3	%
Income taxes		18,039			17,035			1,004		5.9	%
Net Income	$	41,531		$	40,087		$	1,444		3.6	%
SHARE AND PER-SHARE INFORMATION:
Net income:
Basic	$	0.33		$	0.33		$	—		—
Diluted		0.33			0.33			—		—
Cash dividends	$	0.165		$	0.165			—		—
Book value		9.82			9.88			(0.06	)	-0.6	%
Tangible book value		6.73			6.78			(0.05	)	-0.7	%
Weighted average shares (basic)		125,881			120,402			5,479		4.6	%
Weighted average shares (diluted)		127,431			121,679			5,752		4.7	%
Shares outstanding, end of period		125,872			125,720			152		0.1	%
SELECTED FINANCIAL RATIOS:
Return on average assets		1.50	%		1.51	%
Return on average equity		13.48	%		14.25	%
Return on average equity (tangible)		19.56	%		19.42	%
Net interest margin		3.95	%		3.92	%
Efficiency ratio		54.5	%		54.4	%
Average equity to average assets		11.1	%		10.6	%

FULTON FINANCIAL CORPORATION

AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)

	Quarter Ended
	March 31, 2005							December 31, 2004
	Balance			Interest		Rate (1)		Balance			Interest		Rate (1)
ASSETS
Interest-earning assets:
Loans and leases	$	7,675,034		$	116,628	6.16	%	$	7,304,563		$	108,373	5.90	%
Taxable investment securities		1,983,864			18,261	3.73	%		1,909,616			17,157	3.57	%
Tax-exempt investment securities		335,355			2,849	3.45	%		246,531			2,073	3.35	%
Equity securities		123,800			1,084	3.55	%		128,147			1,044	3.24	%
Total Investment Securities		2,443,019			22,194	3.68	%		2,284,294			20,274	3.53	%
Mortgage loans held for sale		112,619			1,812	6.53	%		115,349			2,041	7.18	%
Other interest-earning assets		28,699			176	2.49	%		7,679			48	2.54	%
Total Interest-earning Assets		10,259,371			140,810	5.57	%		9,711,885			130,736	5.36	%
Noninterest-earning assets:
Cash and due from banks		322,793							305,087
Premises and equipment		149,017							132,603
Other assets		569,527							479,733
Less: allowance for loan losses		(90,489	)						(87,204	)
Total Assets	$	11,210,219						$	10,542,104
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Demand deposits	$	1,494,984		$	2,970	0.81	%	$	1,428,307		$	2,349	0.65	%
Savings deposits		1,911,820			4,466	0.95	%		1,899,260			3,813	0.80	%
Time deposits		2,996,377			20,372	2.76	%		2,734,507			18,278	2.66	%
Total Interest-bearing Deposits		6,403,181			27,808	1.76	%		6,062,074			24,440	1.60	%
Short-term borrowings		1,239,454			6,824	2.23	%		1,117,620			4,880	1.74	%
Long-term debt		681,450			7,930	4.72	%		668,239			7,941	4.73	%
Total Interest-bearing Liabilities		8,324,085			42,562	2.07	%		7,847,933			37,261	1.89	%
Noninterest-bearing liabilities:
Demand deposits		1,509,118							1,446,225
Other		127,148							128,519
Total Liabilities		9,960,351							9,422,677
Shareholders’ equity		1,249,868							1,119,427
Total Liabilities and Shareholders’ Equity	$	11,210,219						$	10,542,104
Net interest income				$	98,248						$	93,475
Net interest margin (FTE)						3.95	%						3.92	%

(1) Yields on tax-exempt securities are not fully taxable equivalent (FTE).

FULTON FINANCIAL CORPORATION

LOAN QUALITY INFORMATION (UNAUDITED)

	Quarter Ended March 31
	2005			2004
	(in thousands)
Gross charge-offs	$	1,819		$	2,688
Recoveries		1,519			1,519
Net Charge-offs	$	300		$	1,169
Net charge-offs to average loans		0.02	%		0.08	%
Non-accrual loans	$	19,232		$	19,594
Accruing loans 90+ days overdue		6,545			10,758
Other real estate owned		3,244			356
Total Non-Performing Assets	$	29,021		$	30,708
Non-accrual loans to total loans		0.25	%		0.32	%
Non-performing assets to total loans and OREO		0.37	%		0.49	%
Non-performing assets to total assets		0.25	%		0.32	%
Allowance for loan losses to loans outstanding		1.16	%		1.26	%
	Quarter Ended
	March 31 2005			December 31 2004
	(in thousands)
Gross charge-offs	$	1,819		$	2,588
Recoveries		1,519			882
Net Charge-offs	$	300		$	1,706
Net charge-offs to average loans		0.02	%		0.09	%
Non-accrual loans	$	19,232		$	22,574
Accruing loans 90+ days overdue		6,545			8,318
Other real estate owned		3,244			2,209
Total Non-Performing Assets	$	29,021		$	33,101
Non-accrual loans to total loans		0.25	%		0.30	%
Non-performing assets to total loans and OREO		0.37	%		0.44	%
Non-performing assets to total assets		0.25	%		0.30	%
Allowance to loans		1.16	%		1.18	%