Exhibit 99.1

FOR IMMEDIATE RELEASE
February 13, 2003

Contacts:
Chief Financial Officer                       Media
Robert Kurtz             (301) 533-2251       Robin Murray       (301) 533-2400


            FIRST UNITED CORPORATION TO ACQUIRE FOUR BANKING OFFICES
                        IN BERKELEY COUNTY, WEST VIRGINIA


     OAKLAND, Maryland - First United Corporation (NASDAQ: FUNC) today announced
the signing of a definitive  agreement to acquire,  through its bank subsidiary,
First United Bank & Trust, four banking offices and a commercial  banking center
in Berkeley  County,  West  Virginia  from  Huntington  Bancshares  Incorporated
(NASDAQ:  HBAN) and its bank  subsidiary,  The Huntington  National Bank, for an
amount based on an 11% deposit premium. The transaction includes the acquisition
of $140  million in deposits  and $54 million of loans as of December  31, 2002.
First United will retain all of Huntington's employees. The transaction does not
require  approval  by either  First  United or  Huntington  shareholders  and is
expected  to  close  sometime  in the 2003  third  quarter  following  customary
regulatory approvals.

     "First  United  has had one  banking  office  and one  financial  center in
Martinsburg for six years," said William B. Grant,  Chairman and Chief Executive
Officer,  "and we have been  looking for ways to  increase  our  presence.  This
transaction positions First United as the second largest bank in Berkeley County
with a 19% deposit market share. Importantly, our new Martinsburg customers will
continue to do business in the same  locations and with the same people.  We are
already working very closely with  Huntington to ensure a smooth  transition for
all our new customers.  And with access to First United's other regional banking
offices, their banking becomes more convenient than ever."

     "We are looking  forward to joining the First  United  family,"  said Diane
Armentrout,  district manager for Huntington. "The Martinsburg area is a closely
knit  community and many on the First United staff are our  neighbors.  Further,
like us,  First United has a reputation  for focusing on  personalized,  locally
delivered banking services."




     Two of the  offices  to be  purchased  are  located  in  Martinsburg,  West
Virginia,  with the other two  located in Falling  Waters,  West  Virginia,  and
Inwood, West Virginia.

About First United

First United  Corporation is a Maryland  financial  holding company that,  along
with its  affiliates,  provides a wide range of  financial  products,  including
Trust,  Insurance,  and  Investment  Services.  These services are customized to
support and enhance the lives of people and  businesses in  Maryland's  Garrett,
Allegany, Washington and Frederick counties, as well as West Virginia's Mineral,
Hardy,  Hampshire and Berkeley counties through 20 offices, one financial center
and a nationally recognized Customer Service Center. Since its founding in 1900,
First United has remained independent and grown steadily through sound financial
management  practices  and  by  investing  time,  energy  and  resources  in the
communities it serves. As of December 31, 2002, the Corporation posted assets of
$953 million and had 6,080,589 shares  outstanding  common stock. First United's
website is www.mybankfirstunited.com.

Forward-looking Statements

In addition to  historical  information,  this press  release  contains  certain
"forward-looking"  statements  that  involve  risks and  uncertainties,  such as
statements regarding the plans and expectations of First United Corporation (the
"Company") in connection with the pending  acquisition.  Such statements  should
not be construed as  guarantees  of future  performance.  Actual  results  could
differ materially from management's expectations.  Factors that could contribute
to those  differences  include,  but are not limited to,  changes in regulations
applicable to the business of the Company,  Huntington  Bancshares  Incorporated
("Huntington"),  and their affiliates,  the possibility of economic recession or
slow down (which could impact credit quality,  adequacy of loan loss reserve and
loan  growth),  changes in the general  interest rate  environment,  competitive
factors in the  Company's  and/or  Huntington's  marketplace,  and business risk
associated  with credit  extensions  and trust  activities.  For a more complete
discussion of these and other risk factors, please see "Risk Factors" in Part I,
Item 1 of the Company's  Annual Report on Form 10-K for the year ended  December
31, 2001.