Exhibit 21 - Subsidiaries of the Registrant

The following are the subsidiaries of Fulton Financial Corporation:

	State of Incorporation	Name Under Which
Subsidiary	or Organization	Business is Conducted
Fulton Bank, N.A.	United States of America	Fulton Bank
One Penn Square
P.O. Box 4887
Lancaster, Pennsylvania 17604
Swineford National Bank	United States of America	Swineford National Bank
1255 North Susquehanna Trail
P.O Box 241
Hummels Wharf, Pennsylvania 17831
Lafayette Ambassador Bank	Pennsylvania	Lafayette Ambassador Bank
P.O. Box 25091
Lehigh Valley, Pennsylvania 18002
Fulton Financial Realty Company	Pennsylvania	Fulton Financial Realty Company
One Penn Square
P.O. Box 4887
Lancaster, Pennsylvania 17604
Fulton Reinsurance Company, LTD	Turks & Caicos Islands	Fulton Reinsurance Company, LTD
One Beatrice Butterfield Building
Butterfield Square, Providenciales
Turks & Caicos Islands, BWI
FNB Bank, N.A.	United States of America	FNB Bank, N.A.
354 Mill Street
P.O. Box 279
Danville, Pennsylvania 17821
Central Pennsylvania Financial Corp.	Pennsylvania	Central Pennsylvania Financial Corp.
100 W. Independence Street
Shamokin, PA 17872
The Bank	New Jersey	The Bank
100 Park Avenue
P.O. Box 832
Woodbury, NJ 08096
FFC Management, Inc.	Delaware	FFC Management, Inc.
P.O. Box 609
Georgetown, DE 19947

Exhibit 21 - Subsidiaries of the Registrant (Continued)

	State of Incorporation	Name Under Which
Subsidiary	or Organization	Business is Conducted
Skylands Community Bank	New Jersey	Skylands Community Bank
176 Mountain Avenue
Hackettstown, NJ 07840
Fulton Insurance Services Group, Inc.	Pennsylvania	Fulton Insurance Services Group, Inc.
One Penn Square
P.O. Box 7989
Lancaster, Pennsylvania 17604
FFC Penn Square, Inc.	Delaware	FFC Penn Square, Inc.
P.O. Box 609
Georgetown, DE 19947
PBI Capital Trust	Delaware	PBI Capital Trust
919 Market Street, Suite 700
Wilmington, DE 19801
Virginia Financial Services, LLC	Virginia	Virginia Financial Services, LLC
One Commercial Place #2000
Norfolk, VA
SVB Bald Eagle Statutory Trust I	Connecticut	SVB Bald Eagle Statutory Trust I
Hartford, CT
The Columbia Bank	Maryland	The Columbia Bank
7168 Gateway Drive
Columbia, MD 21046
Columbia Bancorp Statutory Trust	Delaware	Columbia Bancorp Statutory Trust
7168 Gateway Drive
Columbia, MD 21046
Columbia Bancorp Statutory Trust II	Delaware	Columbia Bancorp Statutory Trust II
7168 Gateway Drive
Columbia, MD 21046
Columbia Bancorp Statutory Trust III	Delaware	Columbia Bancorp Statutory Trust III
7168 Gateway Drive
Columbia, MD 21046
Fulton Capital Trust I	Pennsylvania	Fulton Capital Trust I
One Penn Square
P.O. Box 4887
Lancaster, PA 17604-4887