UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 12b-25
                           NOTIFICATION OF LATE FILING
(Check One): [_] Form 10-K [_] Form 20-F [X] Form 11-K [_] Form 10-Q
[_] Form N-SAR                          Commission File Number: 0-10587
For Period Ended: December 31, 2001
[_] Transition Report on Form 10-K
[_] Transition Report on Form 20-F
[_] Transition Report on Form 11-K
[_] Transition Report on Form 10-Q
[_] Transition Report on Form N-SAR
For the Transition Period Ended: ___________________


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    Nothing in this form shall be construed to imply that the Commission has
                   verified any information contained herein.
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If the notification relates to a portion of the filing checked above, identify
the Item(s) to which the notification relates:


         Not Applicable
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PART I -- REGISTRANT INFORMATION

Fulton Financial Corporation/Fulton Financial Affiliates' 401(k) Savings Plan
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Full Name of Registrant

Not Applicable
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Former Name if Applicable

One Penn Square
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Address of Principal Executive Office (Street and Number)

Lancaster, PA  17602
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City, State and Zip Code

PART II -- RULES 12b-25(b) AND (c)

If the subject report could not be filed without unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed. (Check box if appropriate)
       (a) The reasons described in reasonable detail in Part III of this form
       could not be eliminated without unreasonable effort or expense;
       (b) The subject annual report, semi-annual report, transition report on
       Form 10-K, Form 20-F,11-K or Form N-SAR, or portion thereof, will be
  [X]  filed on or before the fifteenth calendar day following the prescribed
       due date; or the subject quarterly report of transition report on Form
       10-Q, or portion thereof will be filed on or before the fifth calendar
       day following the prescribed due date; and
       (c) The accountant's statement or other exhibit required by Rule
       12b-25(c) has been attached if applicable.



PART III -- NARRATIVE

State below in reasonable detail the reasons why Forms 10-K, 20-F, 11-K, 10-Q,
N-SAR, or the transition report portion thereof, could not be filed within the
prescribed time period.

       The Annual Report on Form 11-K for Fulton Financial Affiliates' 401(k)
       Savings Plan could not be filed within the prescribed time period due to
       the absence of an accountant's opinion on the financial statements. See
       the attached accountant's statement required by 12b-25(c).

PART IV-- OTHER INFORMATION

(1) Name and telephone number of person to contact in regard to this
notification


  Paul G. Mattaini                717                    399-1519
  (Name)                          (Area Code)            (Telephone Number)


(2) Have all other periodic reports required under Section 13 or 15(d) of the
Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of
1940 during the preceding 12 months or for such shorter period that the
registrant was required to file such report(s) been filed? If answer is no,
identify report(s). [X] Yes [_] No


(3) Is it anticipated that any significant change in results of operations from
the corresponding period for the last fiscal year will be reflected by the
earnings statements to be included in the subject report or portion thereof?
[_] Yes [X] No

If so, attach an explanation of the anticipated change, both narratively and
quantitatively, and, if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.

Not Applicable

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Fulton Financial Corporation and Fulton Financial Affiliates' 401(k) Savings
Plan
(Name of Registrant as Specified in Charter)

has caused this notification to be signed on its behalf by the undersigned
hereunto duly authorized.

                                     Fulton Financial Corporation

                                     By   /s/ George R. Barr, Jr.
                                       -----------------------------------------
                                          George R. Barr, Jr.,

                                     FULTON FINANCIAL ADVISORS, N.A., Trustee of
                                     Fulton Financial Affiliates 401(k) Savings
                                     Plan

Date  July 2, 2002                   By   /s/ George R. Barr, Jr.
     ---------------------             -----------------------------------------
                                          George R. Barr, Jr., Secretary

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