EXHIBIT 99.6

                               [Fulton Letterhead]
                                                                January 11, 2005

SVB Financial Services, Inc.
70 East Main Street
Somerville, NJ 08867

Ladies and Gentlemen:

     Reference is hereby made to the  Agreement  and Plan of Merger of even date
(the "Merger Agreement") between Fulton Financial Corporation ("Fulton") and SVB
Financial Services,  Inc. ("Somerset").  Capitalized terms used herein which are
not  otherwise  defined  shall have the meanings  ascribed to them in the Merger
Agreement.

     For the purposes of supplementing  the Merger  Agreement,  Fulton agrees as
     follows:

          (a) For a period of three (3) years after the Effective  Date,  Fulton
     shall  (subject  to the right of Fulton and the  Somerset  Bank  Continuing
     Directors  (as defined  below) to  terminate  such  obligations  under this
     subsection (a) under  subsections (b) and (c) below) continue in office the
     present  directors of Somerset Bank who indicate their desire to serve (the
     "Somerset Bank Continuing  Directors"),  provided,  that (i) for such three
     year period,  each  non-employee  Somerset Bank  Continuing  Director shall
     continue to receive director's fees from Somerset Bank on the same basis as
     prior to the  Effective  Date and shall  continue  to  receive  such  other
     incidental  benefits as he or she was receiving from Somerset Bank prior to
     the Effective Date (the current fees and benefits being as disclosed in the
     attachment  to this letter  agreement and to remain  unchanged  through the
     Effective  Date);  provided that, in the event an individual  Somerset Bank
     Continuing  Director  ceases  to act as a  director  or as a member  of any
     committee thereof,  the foregoing  obligation to maintain existing fees and
     benefits  shall not apply to  successors  in such  positions and (ii) after
     such three-year  period,  each Somerset Bank  Continuing  Director shall be
     subject to Fulton's  mandatory  retirement  rules for  directors  and shall
     receive the standard fee paid to  directors  of Fulton's  other  subsidiary
     banks of similar size.

          (b) Fulton shall have the right to  terminate  its  obligations  under
     subsection  (a) as a result of (i) regulatory  requirements,  (ii) safe and
     sound banking practices as enunciated by bank regulatory agencies, or (iii)
     the exercise of their fiduciary duties by Fulton's directors.

          (c) Notwithstanding anything herein to the contrary, the Somerset Bank
     Continuing  Directors,  in their exercise of their fiduciary duty as to the
     best interests of Somerset Bank and Fulton, may, by a majority vote of such
     directors,  modify  or  waive  any or all of the  foregoing  provisions  in
     subsection (a).

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     Please  acknowledge your agreement to the forgoing by executing this letter
     agreement below.

                                        Very truly yours,
                                        FULTON FINANCIAL CORPORATION

                                        By:  /s/ Rufus A. Fulton, Jr.
                                             -------------------------
Agreed and Accepted
SVB FINANCIAL SERVICES, INC.

By:  /s/ Robert Corcoran
     -------------------



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Attachment to Letter Agreement date January 11, 2005
----------------------------------------------------
Basic fee: $7,800 per year (based on $650/meeting)
Annual Retainer: $5,000 per year payable semi-annually based on 75 % attendance
Committee attendance fee: $200 per meeting ($250 for chairman)
Annual "local" two-day retreat


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