FULTON FINANCIAL ADVISORS N A
13F-HR, 2000-07-21
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                           UNITED STATES
                SECURITIES AND EXCHANGE COMMISSION
                         WASHINGTON, D.C.

                             FORM 13-F

                        FORM 13-F COVER PAGE

Report for the Calendar Year or Quarter Ended:  June 30, 2000

Check here if Amendment  [    ]   Amendment Number:
This Amendment  ( Check only one.) : [   ] is a restatement
				             [    ] add new holdings entries.
Institutional Investment Manager Filing this Report:
Name:     Fulton Financial Advisors, NA
Address:  One Penn Square
	  Lancaster, Pa. 17062
13F File Number:

The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it,  that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
Schedules, lists, and tables are considered integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:
Name:   Dennis E Patrick
Title:  Vice President/Support Services
Phone:  717 2912541
Signature, Place, and Date of Signing:
        Dennis E Patrick   Lancaster, Pa. 17602   July 21,2000

Report Type  (Check only one.)

[x]           13F  HOLDINGS REPORT
[ ]           13F  NOTICE
[ ]           13F  COMBINATION REPORT


List of Other Managers Reporting for this Manager:

I am signing this report as required by the Securities Exchange
Act of 1934.
<PAGE>
				FORM 13F  SUMMARY PAGE

Report Summary:
Number of Other included Managers:  0
Form 13F Information Table Entry Total: 512
Form 13f Information Table Value Total: $492,605

List of Other Included Managers:

No.  13F  File Number    Name
<PAGE>
<TABLE>			<C>						<C>

FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    1
ASSETS AS OF 06/30/00
REQUESTED MODEL: BNK
FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    1
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 DAIMLERCHRYSLER AG                   D1668R123       134      2,567 SH          X                       2,567
 ORD
 DAIMLERCHRYSLER AG                   D1668R123        80      1,530 SH              X   X               1,530
 ORD
 GLOBAL CROSSING LTD                  G3921A100     2,516     95,615 SH          X                      95,615
 COM
 GLOBAL CROSSING LTD                  G3921A100       150      5,700 SH              X   X               5,700
 COM
 GLOBALSTAR TELECOMMUNICATION         G3930H104       118     13,100 SH          X                      13,100
 COM
 GLOBALSTAR TELECOMMUNICATION         G3930H104         7        750 SH              X   X                 750
 COM
 TRANSOCEAN SEDCO FOREX INC           G90078109       472      8,834 SH          X                       8,420                   414
 COM
 TRANSOCEAN SEDCO FOREX INC           G90078109       130      2,435 SH              X   X               2,339         96
 COM
 AT&T                                 001957109     3,318    104,298 SH          X                     104,148                   150

 AT&T                                 001957109       439     13,792 SH              X   X              12,642      1,150

 AXA FINL INC                         002451102       416     12,234 SH          X                      12,234
 COM
 AXA FINL INC                         002451102         0         13 SH              X   X                  13
 COM
 ABBOTT LAB COM                       002824100       732     16,430 SH          X                      15,930        500

 ABBOTT LAB COM                       002824100       588     13,200 SH              X   X              11,700      1,500

 ADVANCED MICRO DEVICES INC           007903107       556      7,200 SH          X                       7,200

 AGILENT TECHNOLOGIES INC             00846U101       310      4,200 SH          X                       4,200
 COM
 AGILENT TECHNOLOGIES INC             00846U101       151      2,051 SH              X   X               1,875        176
 COM
 AGRIPOST INC COM                     008543100         0     10,000 SH          X                      10,000

 AIRBORNE FGHT CORP COM               009266107       191     10,100 SH          X                       8,100                 2,000

 ALBERTSONS INC COM                   013104104     1,424     42,825 SH          X                      42,525                   300

 ALBERTSONS INC COM                   013104104       108      3,240 SH              X   X               3,140        100

 ALCOA INC COM                        013817101       590     20,343 SH          X                      16,343                 4,000

 ALCOA INC COM                        013817101        58      2,000 SH              X   X               2,000

 ALLEGHENY ENERGY INC COM             017361106       106      3,776 SH          X                       3,776

 ALLEGHENY ENERGY INC COM             017361106       112      4,000 SH              X   X               4,000

                                               ----------
          PAGE TOTAL                               12,706
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    2
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 ALLIED IRISH BKS PLC                 019228402     3,594    202,487 SH          X                     202,487

 ALLIED IRISH BKS PLC                 019228402     2,371    133,550 SH              X   X             130,750      2,800

 ALLSTATE CORP COM                    020002101       872     39,176 SH          X                      36,476                 2,700

 ALLSTATE CORP COM                    020002101        48      2,174 SH              X   X               2,174

 ALLTEL CORP COM                      020039103       535      8,645 SH          X                       6,095                 2,550

 ALLTEL CORP COM                      020039103       113      1,823 SH              X   X               1,823

 ALTERA CORP                          021441100       314      3,077 SH          X                       3,077
 COM
 AMERICA ONLINE INC DEL COM           02364J104     1,595     30,300 SH          X                      27,450        250      2,600

 AMERICA ONLINE INC DEL COM           02364J104       159      3,030 SH              X   X               3,030

 AMERICAN EXPRESS COMPANY COM         025816109       594     11,404 SH          X                       9,004                 2,400

 AMERICAN EXPRESS COMPANY COM         025816109       342      6,558 SH              X   X               6,558

 AMERICAN HOME PRODUCTS CORP COM      026609107     4,268     72,644 SH          X                      68,544                 4,100

 AMERICAN HOME PRODUCTS CORP COM      026609107     2,605     44,338 SH              X   X              43,138      1,200

 AMERICAN INTL GROUP INC COM          026874107     2,961     25,199 SH          X                      23,099                 2,100

 AMERICAN INTL GROUP INC COM          026874107       661      5,627 SH              X   X               5,427        200

 AMERICAN WTR WKS INC COM             030411102     1,631     65,225 SH          X                      63,225                 2,000

 AMERICAN WTR WKS INC COM             030411102       526     21,020 SH              X   X              13,020      8,000

 AMGEN INC COM                        031162100     5,109     72,719 SH          X                      65,869        250      6,600

 AMGEN INC COM                        031162100       700      9,960 SH              X   X               9,960

 ANADARKO PETROLEUM CORP COM          032511107       834     16,900 SH          X                      14,900                 2,000

 ANADARKO PETROLEUM CORP COM          032511107         2         50 SH              X   X                  50

 ANALOG DEVICES INC                   032654105     1,019     13,406 SH          X                      13,406

 ANALOG DEVICES INC                   032654105       312      4,100 SH              X   X               4,100

 ANHEUSER-BUSCH COS INC COM           035229103       267      3,575 SH          X                       3,575

 ANHEUSER-BUSCH COS INC COM           035229103        75      1,000 SH              X   X               1,000

                                               ----------
          PAGE TOTAL                               31,507
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    3
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 APACHE CORP COM                      037411105       418      7,100 SH          X                       5,100                 2,000

 APACHE CORP COM                      037411105         6        100 SH              X   X                 100

 APPLIED MATLS INC COM                038222105     1,045     11,530 SH          X                       9,530                 2,000

 APPLIED MATLS INC COM                038222105        63        700 SH              X   X                 700

 ARCHER DANIELS MIDLAND CO COM        039483102        70      7,176 SH          X                       7,176

 ARCHER DANIELS MIDLAND CO COM        039483102        31      3,178 SH              X   X               3,178

 ATMEL CORP                           049513104       479     13,000 SH          X                      13,000

 ATMEL CORP                           049513104       155      4,200 SH              X   X               4,200

 AVNET INC                            053807103       261      4,400 SH          X                       4,400
 COM
 AVON PRODUCTS INC                    054303102     1,380     31,000 SH          X                      31,000

 BP AMOCO PLC                         055622104     2,213     39,077 SH          X                      39,077
 ADR SPONSORED
 BP AMOCO PLC                         055622104     1,033     18,248 SH              X   X              18,248
 ADR SPONSORED
 BMC SOFTWARE INC                     055921100       804     22,050 SH          X                      21,000                 1,050

 BMC SOFTWARE INC                     055921100         4        100 SH              X   X                 100

 BANK AMER CORP                       060505104       518     11,941 SH          X                      11,941
 COM
 BANK AMER CORP                       060505104        76      1,743 SH              X   X               1,630        113
 COM
 BANK OF NEW YORK CO INC              064057102     1,314     28,268 SH          X                      25,468                 2,800

 BANK OF NEW YORK CO INC              064057102       209      4,500 SH              X   X               4,500

 BANK ONE CORP COM                    06423A103     1,051     39,580 SH          X                      39,580

 BANK ONE CORP COM                    06423A103       229      8,634 SH              X   X               8,634

 BARD C R INC                         067383109       563     11,700 SH          X                      11,700

 BARD C R INC                         067383109         2         50 SH              X   X                  50

 BARNES & NOBLE INC COM               067774109       240     10,800 SH          X                       5,650                 5,150

 BARNES & NOBLE INC COM               067774109        48      2,150 SH              X   X               2,150

 BARRICK GOLD CORP COM                067901108     1,127     61,960 SH          X                      61,960

                                               ----------
          PAGE TOTAL                               13,339
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    4
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 BAXTER INTL INC COM                  071813109     1,309     18,620 SH          X                      18,620

 BAXTER INTL INC COM                  071813109        91      1,300 SH              X   X               1,300

 BED BATH & BEYOND INC COM            075896100       337      9,300 SH          X                       9,300

 BED BATH & BEYOND INC COM            075896100         2         50 SH              X   X                  50

 BELL ATLANTIC COM                    077853109     4,177     81,997 SH          X                      79,673                 2,324

 BELL ATLANTIC COM                    077853109     1,365     26,790 SH              X   X              26,790

 BP AMOCO PLC                         0798059         151     16,017 SH          X                      16,017

 BP AMOCO PLC                         0798059         167     17,709 SH              X   X              17,709

 BELLSOUTH COM                        079860102     3,564     83,611 SH          X                      82,611                 1,000

 BELLSOUTH COM                        079860102     2,064     48,415 SH              X   X              48,415

 BERKSHIRE HATHAWAY INC DEL CL A      084670108       538         10 SH          X                          10

 BERKSHIRE HATHAWAY INC DEL CL A      084670108       108          2 SH              X   X                   2

 BERKSHIRE HATHAWAY INC CL B          084670207       509        289 SH          X                         289

 BERKSHIRE HATHAWAY INC CL B          084670207        53         30 SH              X   X                  30

 BESTFOODS INC                        08658U101     2,879     41,570 SH          X                      39,570                 2,000

 BESTFOODS INC                        08658U101       159      2,300 SH              X   X               2,300

 BIOGEN INC COM                       090597105     1,581     24,511 SH          X                      24,011                   500

 BIOGEN INC COM                       090597105        63        970 SH              X   X                 970

 BLACK & DECKER CORP                  091797100       580     14,775 SH          X                      13,200                 1,575

 BLACK & DECKER CORP                  091797100        95      2,422 SH              X   X               2,172        250

 BOISE CASCADE CORP                   097383103       406     15,700 SH          X                      15,700
 COM
 BOISE CASCADE CORP                   097383103         5        200 SH              X   X                 200
 COM
 BORG-WARNER AUTOMOTIVE INC COM       099724106       279      7,950 SH          X                       7,950

 BRISTOL MYERS SQUIBB CO COM          110122108     3,549     60,928 SH          X                      60,928

 BRISTOL MYERS SQUIBB CO COM          110122108     1,437     24,676 SH              X   X              24,276        400

                                               ----------
          PAGE TOTAL                               25,468
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    5
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 CCFNB BANCORP INC COM                124880105       539     31,812 SH          X                      31,812

 CBRL GROUP INC                       12489V106       620     42,200 SH          X                      42,200

 CBRL GROUP INC                       12489V106         7        500 SH              X   X                 500

 CVS CORP                             126650100     2,985     74,622 SH          X                      74,622

 CVS CORP                             126650100       120      2,995 SH              X   X               2,995

 CAPITAL ONE FINANCIAL CORP           14040H105     1,012     22,677 SH          X                      22,677

 CAPITAL ONE FINANCIAL CORP           14040H105         8        175 SH              X   X                 175

 FEDERATED CAP PRESERVATION FD#04     140411109       665     66,522 SH          X                      66,522

 CARNIVAL CORP CL A                   143658102       314     16,100 SH          X                      16,100

 CATERPILLAR INC COM                  149123101       267      7,881 SH          X                       6,881                 1,000

 CHASE MANHATTAN CORP                 16161A108       340      7,374 SH          X                       7,374

 CHASE MANHATTAN CORP                 16161A108        28        600 SH              X   X                 600

 CHEVRON CORPORATION COM              166751107       719      8,463 SH          X                       6,463                 2,000

 CHEVRON CORPORATION COM              166751107       412      4,848 SH              X   X               4,648        200

 CIRCUIT CITY STORES INC              172737108       229      6,900 SH          X                       6,900
 COM
 CISCO SYS INC COM                    17275R102     9,985    157,096 SH          X                     156,596                   500

 CISCO SYS INC COM                    17275R102     1,271     19,994 SH              X   X              19,394        600

 CINTAS CORP                          172908105       337      9,190 SH          X                       9,190
 COM
 CINTAS CORP                          172908105        55      1,500 SH              X   X               1,500
 COM
 CITIGROUP INC                        172967101     4,667     77,224 SH          X                      77,224

 CITIGROUP INC                        172967101       875     14,472 SH              X   X              14,122        350

 COCA COLA CORP COM                   191216100     1,039     18,094 SH          X                      18,094

 COCA COLA CORP COM                   191216100       609     10,600 SH              X   X              10,400        200

 COLGATE PALMOLIVE CO COM             194162103       263      4,400 SH          X                       3,850        550

 COLGATE PALMOLIVE CO COM             194162103       383      6,400 SH              X   X               6,400

                                               ----------
          PAGE TOTAL                               27,749
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    6
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 COMMUNITY BKS INC MILLERSBURG COM    203628102       713     34,170 SH          X                      34,170

 COMPAQ COMPUTER CORP COM             204493100     1,905     74,519 SH          X                      72,369        500      1,650

 COMPAQ COMPUTER CORP COM             204493100       218      8,525 SH              X   X               8,425        100

 COMPUTER ASSOC INTL INC              204912109     2,144     41,885 SH          X                      41,685                   200

 COMPUTER SCIENCES CORP               205363104       218      2,925 SH          X                       2,925

 COMPUTER SCIENCES CORP               205363104        88      1,175 SH              X   X               1,175

 CONSTELLATION ENERGY GROUP I         210371100       303      9,295 SH          X                       9,295
 COM
 CONSTELLATION ENERGY GROUP I         210371100       121      3,714 SH              X   X               3,060        654
 COM
 CORNING INC COM                      219350105       283      1,050 SH          X                       1,050

 CORNING INC COM                      219350105       243        900 SH              X   X                 900

 D & E COMMUNICATIONS INC COM         232860106       482     24,718 SH          X                      24,718

 DQE INC COM                          23329J104        71      1,796 SH          X                       1,796

 DQE INC COM                          23329J104       160      4,048 SH              X   X               4,048

 DANAHER CORP                         235851102       353      7,150 SH          X                       7,150

 DANAHER CORP                         235851102        59      1,200 SH              X   X                 800        400

 DEERE & CO COM                       244199105       570     15,400 SH          X                      13,400                 2,000

 DEERE & CO COM                       244199105        77      2,075 SH              X   X               2,075

 DELL COMPUTER CORP COM               247025109       979     19,850 SH          X                      19,850

 DELL COMPUTER CORP COM               247025109       261      5,300 SH              X   X               5,300

 WALT DISNEY CO COM                   254687106     4,734    121,975 SH          X                     117,225                 4,750

 WALT DISNEY CO COM                   254687106     1,055     27,190 SH              X   X              26,690        500

 DOCUCORP INTL INC                    255911109        49     13,000 SH              X   X              13,000

 DONNELLEY (R R) COM                  257867101       234     10,350 SH          X                       6,350                 4,000

 DONNELLEY (R R) COM                  257867101        81      3,590 SH              X   X               3,590

 DOW CHEMICAL COMPANY COM             260543103       496     16,182 SH          X                      11,682                 4,500

                                               ----------
          PAGE TOTAL                               15,897
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    7
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 DOW CHEMICAL COMPANY COM             260543103       664     21,672 SH              X   X              21,072        600

 DUPONT (EI) COM                      263534109     2,250     51,198 SH          X                      45,158                 6,040

 DUPONT (EI) COM                      263534109       716     16,299 SH              X   X              16,049        250

 DUKE ENERGY COM                      264399106       540      9,512 SH          X                       7,012                 2,500

 DUKE ENERGY COM                      264399106       116      2,050 SH              X   X               2,050

 E M C CORP MASS COM                  268648102     2,352     30,550 SH          X                      29,550                 1,000

 E M C CORP MASS COM                  268648102       204      2,650 SH              X   X               2,650

 ENSCO INTL INC                       26874Q100       204      5,700 SH          X                       5,700

 ENSCO INTL INC                       26874Q100        32        900 SH              X   X                 900

 EASTMAN CHEM CO COM                  277432100       256      5,351 SH          X                       5,351

 EASTMAN CHEM CO COM                  277432100         5        100 SH              X   X                 100

 EASTMAN KODAK COMPANY COM            277461109       328      5,501 SH          X                       3,001                 2,500

 EASTMAN KODAK COMPANY COM            277461109        15        244 SH              X   X                 244

 MUTUAL CONSUMER DISCOUNT CO CL A     2824R5100        30     27,480 SH          X                      27,480

 ELAN PLC                             284131208     2,766     57,100 SH          X                      57,100

 ELAN PLC                             284131208        82      1,700 SH              X   X               1,700

 ELECTRONIC ARTS COM                  285512109       284      3,900 SH          X                       3,900

 ELECTRONIC ARTS COM                  285512109        29        400 SH              X   X                 400

 ELECTRONIC DATA SYS CORP NEW COM     285661104       480     11,636 SH          X                      11,236                   400

 ELECTRONIC DATA SYS CORP NEW COM     285661104        30        734 SH              X   X                 734

 EMERSON ELECTRIC COMPANY COM         291011104     1,598     26,470 SH          X                      24,470                 2,000

 EMERSON ELECTRIC COMPANY COM         291011104       217      3,600 SH              X   X               3,300        300

 ENRON CORP COM                       293561106       683     10,587 SH          X                      10,587

 ENRON CORP COM                       293561106       219      3,400 SH              X   X               3,400

 EPHRATA NATIONAL BANK COM            294209200       160      8,050 SH          X                       8,050

                                               ----------
          PAGE TOTAL                               14,260
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    8
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 EPHRATA NATIONAL BANK COM            294209200       134      6,750 SH              X   X               6,750

 EQUITY OFFICE PPTYS TR               294741103       299     10,750 SH          X                      10,750

 EQUITY RESIDENTIAL PPTYS TR          29476L107       492     10,700 SH          X                      10,700

 ERICSSON L M TEL CO ADR B COM        294821400     1,251     62,550 SH          X                      62,550

 ERICSSON L M TEL CO ADR B COM        294821400       334     16,700 SH              X   X              16,400        300

 EXXON MOBIL CORP COM                 30231G102    11,166    142,245 SH          X                     134,461                 7,784

 EXXON MOBIL CORP COM                 30231G102     6,540     83,312 SH              X   X              80,794      2,518

 FPL GROUP INC COM                    302571104       206      4,146 SH          X                       4,146

 FREDDIE MAC COM                      313400301     2,020     49,883 SH          X                      46,683                 3,200

 FREDDIE MAC COM                      313400301        12        300 SH              X   X                 300

 FEDERAL NATL MTG ASSOC COM           313586109     2,913     55,690 SH          X                      52,990                 2,700

 FEDERAL NATL MTG ASSOC COM           313586109     1,237     23,641 SH              X   X              23,441        200

 FED SHORT TERM MUNI TR (24) *        313907107       682     67,999 SH          X                      67,999

 FED SHORT TERM MUNI TR (24) *        313907107        84      8,376 SH              X   X               4,128      4,247

 FED MUNI SEC FD (20-DF) & (358-RM)*  313913105        76      7,640 SH          X                       7,640

 FED MUNI SEC FD (20-DF) & (358-RM)*  313913105        50      5,005 SH              X   X                 950      4,055

 FEDERATED ARMS FUND (96) *           314082108       764     80,680 SH          X                      79,672                 1,008

 FEDERATED ARMS FUND (96) *           314082108        58      6,084 SH              X   X               6,084

 FEDERATED GNMA TRUST (16) *          314184102     1,152    106,232 SH          X                     102,736                 3,496

 FEDERATED GNMA TRUST (16) *          314184102       148     13,698 SH              X   X              13,698

 FED HIGH YIELD TR FD (38) *          314197104     2,089    272,325 SH          X                     271,150                 1,175

 FED HIGH YIELD TR FD (38) *          314197104       241     31,397 SH              X   X              30,142      1,254

 FED INCOME TRUST (36) *              314199100     3,050    309,354 SH          X                     308,807                   546

 FED INCOME TRUST (36) *              314199100       138     13,953 SH              X   X              13,414        539

 FED INSTL GOVT ULTRASHT FUND (626)*  31420B102       584    294,700 SH          X                     294,700

                                               ----------
          PAGE TOTAL                               35,720
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE    9
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 FED INSTL GOVT ULTRASHT FUND (626)*  31420B102        33     16,790 SH              X   X              16,790

 FED S/T INCOME FD (65)*              31420C209     2,402    281,226 SH          X                     281,226

 FED S/T INCOME FD (65)*              31420C209       100     11,717 SH              X   X              11,717

 FED INTERM. INC FD (303) *           31420C407     1,378    144,917 SH          X                     144,917

 FED INTERM. INC FD (303) *           31420C407        33      3,476 SH              X   X               3,476

 FED US GOVT SECS FD (47) *           31428P103       230     22,096 SH          X                      22,096
 2-5 YEARS
 FED US GOVT SECS FD (47) *           31428P103         4        375 SH              X   X                 375
 2-5 YEARS
 FED TOTAL RETURN BD FD (328) *       31428Q101       250     24,869 SH          X                      24,869

 FED LIMITED DURATION FD (830) *      31428Q408     2,885    295,546 SH          X                     295,546

 FED LIMITED DURATION FD (830) *      31428Q408       144     14,755 SH              X   X              14,755

 FEDERATED ULTRA SHT BOND FD #838     31428Q606     1,065    546,168 SH          X                     546,168

 FEDERATED ULTRA SHT BOND FD #838     31428Q606        10      5,102 SH              X   X               5,102

 FEDERATED MORTGAGE FUND-INST (835)*  31428Q887     1,650    170,257 SH          X                     170,257

 FEDERATED MORTGAGE FUND-INST (835)*  31428Q887        29      2,962 SH              X   X               2,962

 FIRST DATA CORP COM                  319963104       675     13,604 SH          X                      13,604

 FIRST DATA CORP COM                  319963104       145      2,925 SH              X   X               2,925

 FIRST UNION CORP COM                 337358105     3,208    129,275 SH          X                     122,629                 6,646

 FIRST UNION CORP COM                 337358105     1,186     47,807 SH              X   X              35,274     12,533

 FORD MOTOR COMPANY COM               345370100       244      5,678 SH          X                       3,678                 2,000

 FORD MOTOR COMPANY COM               345370100       231      5,383 SH              X   X               5,383

 FOREST LABS INC                      345838106       253      2,500 SH          X                       2,500
 COM
 FULTON FINANCIAL CORP COM            360271100    24,085  1,361,642 SH          X                   1,350,496                11,146

 FULTON FINANCIAL CORP COM            360271100     9,288    525,079 SH              X   X             314,857    179,857     30,365

 GPU INC                              36225X100       308     11,388 SH          X                      10,888                   500

 GPU INC                              36225X100        33      1,224 SH              X   X               1,224

                                               ----------
          PAGE TOTAL                               49,869
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   10
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 GTE CORP COM                         362320103     1,501     24,107 SH          X                      22,507                 1,600

 GTE CORP COM                         362320103       909     14,602 SH              X   X              13,452      1,150

 GANNETT CO COM                       364730101     1,003     16,765 SH          X                      14,165                 2,600

 GANNETT CO COM                       364730101       692     11,565 SH              X   X              11,465        100

 GAP INC COM                          364760108       841     26,925 SH          X                      26,925

 GENERAL ELECTRIC CO COM              369604103    12,403    236,810 SH          X                     230,210                 6,600

 GENERAL ELECTRIC CO COM              369604103    12,472    238,128 SH              X   X             237,528        600

 GENERAL MILLS INC COM                370334104       261      6,825 SH          X                       6,825

 GENERAL MILLS INC COM                370334104        42      1,086 SH              X   X                 486        600

 GENERAL MOTORS COM                   370442105       189      3,255 SH          X                       2,503                   752

 GENERAL MOTORS COM                   370442105       165      2,837 SH              X   X               2,837

 GILLETTE CO COM                      375766102     1,188     34,015 SH          X                      34,015

 GILLETTE CO COM                      375766102        89      2,550 SH              X   X               2,100        450

 GOLDMAN SACHS GROUP INC COM          38141G104       237      2,500 SH          X                       2,500

 GOLDMAN SACHS GROUP INC COM          38141G104        43        450 SH              X   X                 450

 HALLIBURTON CO                       406216101       348      7,375 SH          X                       7,375

 HALLIBURTON CO                       406216101        28        600 SH              X   X                 300        300

 HARLEYSVILLE SVGS FINL CORP          412865107       303     20,624 SH          X                      20,624
 COM
 HARRIS FINL INC                      414541102       169     27,300 SH          X                      27,300

 HARTFORD LIFE INC                    416592103       352      6,975 SH          X                       6,975

 HARTFORD LIFE INC                    416592103       149      2,950 SH              X   X               2,950

 HEALTHSOUTH REHAB CORP COM           421924101       129     17,500 SH          X                      12,000                 5,500

 HEALTHSOUTH REHAB CORP COM           421924101        31      4,200 SH              X   X               4,200

 HEALTH MGMT ASSOC INC (NEW) COM      421933102       159     12,137 SH          X                      12,137

 H J HEINZ CO COM                     423074103       820     18,750 SH          X                      18,750

                                               ----------
          PAGE TOTAL                               34,523
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   11
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 H J HEINZ CO COM                     423074103       616     14,075 SH              X   X              14,075

 HERSHEY FOODS CORPORATION COM        427866108     2,063     42,546 SH          X                      42,546

 HERSHEY FOODS CORPORATION COM        427866108       422      8,702 SH              X   X               8,702

 HEWLETT-PACKARD CO COM               428236103     1,158      9,274 SH          X                       9,274

 HEWLETT-PACKARD CO COM               428236103       627      5,020 SH              X   X               4,820        200

 HOME DEPOT INC COM                   437076102     3,428     68,653 SH          X                      63,103                 5,550

 HOME DEPOT INC COM                   437076102     1,247     24,962 SH              X   X              24,587        375

 HONEYWELL INTL INC                   438516106       551     16,346 SH          X                      13,346                 3,000
 COM
 HONEYWELL INTL INC                   438516106       136      4,034 SH              X   X               3,634        400
 COM
 HOUSEHOLD INTERNATIONAL INC COM      441815107       351      8,450 SH          X                       8,450

 HOUSEHOLD INTERNATIONAL INC COM      441815107         6        150 SH              X   X                 150

 IMS HEALTH INC                       449934108       551     30,600 SH          X                      30,600

 IMS HEALTH INC                       449934108        36      2,000 SH              X   X               2,000

 INCO LTD CONV DEB   7.750% 03/15/16  453258AH8       237    275,000 SH              X   X

 INTEL CORP COM                       458140100    12,460     93,199 SH          X                      89,849                 3,350

 INTEL CORP COM                       458140100     2,559     19,145 SH              X   X              18,395        750

 FED INTERM MUNI TR (78) *            458810108       496     49,449 SH          X                      49,449

 FED INTERM MUNI TR (78) *            458810108        44      4,432 SH              X   X                 271      4,161

 IBM COM                              459200101     2,824     25,775 SH          X                      25,375        150        250

 IBM COM                              459200101       591      5,395 SH              X   X               5,395

 INTERNATIONAL PAPER CO COM           460146103     1,647     55,256 SH          X                      54,681                   575

 INTERNATIONAL PAPER CO COM           460146103        15        500 SH              X   X                 500

 INTERPUBLIC GROUP OF COS COM         460690100       830     19,303 SH          X                      14,203                 5,100

 INTERPUBLIC GROUP OF COS COM         460690100        99      2,300 SH              X   X               2,100        200

 JDS UNIPHASE CORP                    46612J101       781      6,515 SH          X                       6,515
 COM
                                               ----------
          PAGE TOTAL                               33,775
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   12
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 JDS UNIPHASE CORP                    46612J101        24        200 SH              X   X                 200
 COM
 JOHNSON & JOHNSON COM                478160104     3,555     34,898 SH          X                      32,548        350      2,000

 JOHNSON & JOHNSON COM                478160104     1,234     12,109 SH              X   X              11,959        150

 JONES APPAREL GROUP INC              480074103       403     17,150 SH          X                      17,150

 JONES APPAREL GROUP INC              480074103        14        600 SH              X   X                 600

 KANSAS CITY SOUTHERN INDS INC        485170104       514      5,800 SH          X                       5,800

 KELLOGG CO COM                       487836108       137      4,610 SH          X                       4,610

 KELLOGG CO COM                       487836108       213      7,149 SH              X   X               1,000                 6,149

 KERR MCGEE CORP COM                  492386107       236      3,996 SH          X                       3,996

 KEYSTONE FINANCIAL COM               493482103       121      5,688 SH          X                       5,688

 KEYSTONE FINANCIAL COM               493482103       213     10,045 SH              X   X              10,045

 KIMBERLY CLARK COM                   494368103       581     10,127 SH          X                      10,127

 KIMBERLY CLARK COM                   494368103        63      1,100 SH              X   X               1,000        100

 KINDER MORGAN INC KANS               49455P101       259      7,500 SH              X   X               7,500
 COM
 KOHLS CORP                           500255104       348      6,262 SH          X                       6,262

 KOHLS CORP                           500255104        92      1,650 SH              X   X               1,450        200

 LSI LOGIC CORP COM                   502161102       622     11,500 SH          X                      11,500

 LSI LOGIC CORP COM                   502161102       233      4,300 SH              X   X               4,100        200

 LILLY (ELI) & CO COM                 532457108     2,784     27,875 SH          X                      26,800                 1,075

 LILLY (ELI) & CO COM                 532457108       300      3,005 SH              X   X               3,005

 LINEAR TECHNOLOGY CORP               535678106       459      7,185 SH          X                       7,185

 LUCENT TECHNOLOGIES INC COM          549463107     7,805    132,847 SH          X                     132,047        400        400

 LUCENT TECHNOLOGIES INC COM          549463107     1,705     29,028 SH              X   X              29,028

 MBIA INC COM                         55262C100     1,611     33,438 SH          X                      32,638                   800

 MBIA INC COM                         55262C100       153      3,175 SH              X   X               3,175

                                               ----------
          PAGE TOTAL                               23,679
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   13
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 MBNA CORP COM                        55262L100       473     17,447 SH          X                      17,447

 MBNA CORP COM                        55262L100       103      3,787 SH              X   X               3,787

 MNB CORP                             553104100       289      9,511 SH          X                       9,511
 CDT-COM
 MAIN STR BANCORP                     559906102       151     17,003 SH          X                      17,003

 MAIN STR BANCORP                     559906102         4        428 SH              X   X                 428

 MCDONALD'S CORP COM                  580135101       188      5,700 SH          X                       5,700

 MCDONALD'S CORP COM                  580135101       157      4,770 SH              X   X               3,070      1,700

 MCKESSON HBOC INC                    58155Q103     1,141     54,489 SH          X                      54,489
 COM
 MEDIAONE GROUP INC                   58440J104       180      2,697 SH          X                       2,697

 MEDIAONE GROUP INC                   58440J104       181      2,715 SH              X   X               2,715

 MEDTRONIC INC COM                    585055106     2,127     42,702 SH          X                      40,702                 2,000

 MEDTRONIC INC COM                    585055106       248      4,986 SH              X   X               4,186        800

 MELLON FINL CORP                     58551A108       420     11,522 SH          X                      10,572        950
 COM
 MELLON FINL CORP                     58551A108       333      9,148 SH              X   X               7,596      1,552
 COM
 MERCK & CO INC COM                   589331107     5,321     69,441 SH          X                      66,391        150      2,900

 MERCK & CO INC COM                   589331107     3,362     43,870 SH              X   X              43,520        350

 MICROSOFT CORP COM                   594918104     7,174     89,680 SH          X                      86,980        300      2,400

 MICROSOFT CORP COM                   594918104     1,328     16,600 SH              X   X              16,600

 MILLIPORE CORP COM                   601073109       388      5,150 SH          X                       5,150

 MILLIPORE CORP COM                   601073109       241      3,200 SH              X   X               3,200

 MINNESOTA MINING & MFG CO COM        604059105       234      2,830 SH          X                       1,830                 1,000

 MINNESOTA MINING & MFG CO COM        604059105       133      1,610 SH              X   X               1,110        500

 MOHAWK INDS INC                      608190104       214      9,850 SH          X                       9,850

 MOHAWK INDS INC                      608190104        20        900 SH              X   X                 900

 MORGAN (J P) COM                     616880100       293      2,658 SH          X                       2,658

                                               ----------
          PAGE TOTAL                               24,703
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   14
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 MORGAN (J P) COM                     616880100        43        389 SH              X   X                 389

 MORGAN STANLEY DEAN WITTER DISCOVER  617446448       302      3,624 SH          X                       3,624

 MORGAN STANLEY DEAN WITTER DISCOVER  617446448       110      1,320 SH              X   X               1,320

 MOTOROLA INC COM                     620076109     1,642     54,746 SH          X                      51,746                 3,000

 MOTOROLA INC COM                     620076109       501     16,705 SH              X   X              16,180        525

 NATIONAL SEMICONDUCTOR CORP COM      637640103       632     10,720 SH          X                      10,720

 NATIONAL SEMICONDUCTOR CORP COM      637640103        50        850 SH              X   X                 850

 NATIONWIDE FINL SVCS INC             638612101       523     15,911 SH          X                      15,911
 CL A
 NETWORKS ASSOCS INC                  640938106       438     21,500 SH          X                      19,500                 2,000

 NETWORKS ASSOCS INC                  640938106        96      4,700 SH              X   X               4,300        400

 NEXTEL COMMUNICATIONS INC CL A       65332V103     1,130     18,468 SH          X                      18,468

 NEXTEL COMMUNICATIONS INC CL A       65332V103        98      1,600 SH              X   X               1,600

 NOBLE AFFILIATES INC COM             654894104       631     16,950 SH          X                      16,950

 NOKIA CORP SPONS ADR                 654902204     1,183     23,625 SH          X                      23,625

 NOKIA CORP SPONS ADR                 654902204       184      3,675 SH              X   X               3,675

 NORTEL NETWORKS CORP (NEW) COM       656568102       633      9,190 SH          X                       9,190

 NORTEL NETWORKS CORP (NEW) COM       656568102        21        300 SH              X   X                            300

 NOVELL INC COM                       670006105       610     65,900 SH          X                      65,900

 NOVELL INC COM                       670006105         1        120 SH              X   X                 120

 NOVELLUS SYS INC COM                 670008101       382      6,750 SH          X                       6,750

 NOVELLUS SYS INC COM                 670008101       238      4,200 SH              X   X               4,200

 NUCOR CORP COM                       670346105       796     23,970 SH          X                      21,970                 2,000

 NUCOR CORP COM                       670346105        10        300 SH              X   X                 300

 OAO TECHNOLOGY SOLUTIONS INC         67082B105        33     10,000 SH              X   X              10,000

 ORACLE SYS CORP                      68389X105     1,633     19,431 SH          X                      12,981        200      6,250

                                               ----------
          PAGE TOTAL                               11,920
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   15
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 ORACLE SYS CORP                      68389X105        61        725 SH              X   X                 725

 PECO ENERGY CO                       693304107       468     11,612 SH          X                      11,612

 PECO ENERGY CO                       693304107       106      2,623 SH              X   X               2,623

 PE CORP                              69332S102       498      7,550 SH          X                       7,550
 COM PE BISYS GR
 PE CORP                              69332S102        13        200 SH              X   X                 200
 COM PE BISYS GR
 PMA CAP CORP                         693419202     1,224     64,424 SH              X   X              64,424
 CL A
 PNC FINANCIAL SERVICES GROUP         693475105     1,729     36,875 SH          X                      34,075                 2,800

 PNC FINANCIAL SERVICES GROUP         693475105       610     13,005 SH              X   X              12,705        300

 P P G IND CAPITAL COM                693506107       246      5,552 SH          X                       5,552

 PPL CORP                             69351T106       808     36,823 SH          X                      33,423                 3,400
 COM
 PPL CORP                             69351T106       138      6,310 SH              X   X               6,310
 COM
 PACIFIC CENTURY FINL CORP            694058108       317     21,690 SH          X                      21,690

 PACIFIC CENTURY FINL CORP            694058108         2        150 SH              X   X                 150

 PARAMETRIC TECHNOLOGY CORP COM       699173100       239     21,700 SH          X                      20,500                 1,200

 PARAMETRIC TECHNOLOGY CORP COM       699173100        26      2,400 SH              X   X               2,400

 PENNROCK FINANCIAL SERVICES CORP COM 708352109       215     14,421 SH          X                      14,421

 PENNROCK FINANCIAL SERVICES CORP COM 708352109        53      3,587 SH              X   X               3,587

 PEPSICO INC COM                      713448108     4,110     92,490 SH          X                      88,190                 4,300

 PEPSICO INC COM                      713448108     1,088     24,490 SH              X   X              22,890      1,600

 PFIZER INC COM                       717081103     5,034    104,882 SH          X                     104,582                   300

 PFIZER INC COM                       717081103     1,334     27,795 SH              X   X              27,095        700

 PHARMACIA CORP                       71713U102     1,737     33,615 SH          X                      33,415                   200
 COM
 PHARMACIA CORP                       71713U102       360      6,962 SH              X   X               6,962
 COM
 PHILIP MORRIS COS INC COM            718154107     1,744     65,650 SH          X                      65,650

 PHILIP MORRIS COS INC COM            718154107       133      5,000 SH              X   X               5,000

                                               ----------
          PAGE TOTAL                               22,293
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   16
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 PITNEY-BOWES INC COM                 724479100       365      9,137 SH          X                       9,137

 PITNEY-BOWES INC COM                 724479100        12        300 SH              X   X                 300

 POTOMAC ELECTRIC POWER CO COM        737679100       121      4,650 SH          X                       4,650

 POTOMAC ELECTRIC POWER CO COM        737679100       120      4,600 SH              X   X               4,600

 PROCTER & GAMBLE COMPANY COM         742718109     1,492     26,058 SH          X                      25,558                   500

 PROCTER & GAMBLE COMPANY COM         742718109       836     14,606 SH              X   X              14,506        100

 PROVIDIAN FINL CORP                  74406A102       387      4,300 SH          X                       4,300

 PUBLIC SVC ENTERPRISE GROUP CO COM   744573106       194      5,606 SH          X                       5,606

 PUBLIC SVC ENTERPRISE GROUP CO COM   744573106        10        300 SH              X   X                 300

 QUAKER OATS COMPANY COM              747402105       535      7,115 SH          X                       7,115

 QWEST COMMUNICATIONS                 749121109       931     18,740 SH          X                      16,540                 2,200

 QWEST COMMUNICATIONS                 749121109       140      2,825 SH              X   X               2,825

 ROHM & HAAS CO COM                   775371107         6        165 SH          X                         165

 ROHM & HAAS CO COM                   775371107       312      9,047 SH              X   X               9,047

 ROYAL DUTCH PETE CO                  780257804       552      8,960 SH          X                       8,960

 ROYAL DUTCH PETE CO                  780257804        92      1,500 SH              X   X               1,300        200

 SBC COMMUNICATIONS INC               78387G103     2,348     54,291 SH          X                      54,291

 SBC COMMUNICATIONS INC               78387G103     1,230     28,447 SH              X   X              27,897        550

 SEI BOND INDEX FUND (56) *           783924301    20,927  2,073,998 SH          X                   2,069,237                 4,760

 SEI BOND INDEX FUND (56) *           783924301       277     27,489 SH              X   X              26,673        815

 SEI CORE FIXED INCOME FUND (64) *    783925506     2,299    231,276 SH          X                     231,276

 SEI CORE FIXED INCOME FUND (64) *    783925506         7        738 SH              X   X                 738

 SEI HIGH YIELD BOND FUND (59) *      783925647       192     20,520 SH          X                      20,520

 SEI HIGH YIELD BOND FUND (59) *      783925647        26      2,795 SH              X   X               2,795

 SEI GNMA FUND (47) *                 783965643     1,225    130,358 SH          X                     130,358

                                               ----------
          PAGE TOTAL                               34,636
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   17
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 SEI GNMA FUND (47) *                 783965643        45      4,743 SH              X   X               4,743

 SEI INTMDT DURATION GOVT FD (46) *   783965742     1,643    168,300 SH          X                     168,300

 SEI INTMDT DURATION GOVT FD (46) *   783965742       140     14,310 SH              X   X              14,310

 SEI SHORT DURATION GOVT FUND (45)*   783965858     1,455    146,552 SH          X                     145,557                   994

 SEI SHORT DURATION GOVT FUND (45)*   783965858        33      3,328 SH              X   X               3,328

 SEI CORP DAILY INCM FD (41) *        783965866     3,110  1,570,901 SH          X                   1,570,901

 SEI CORP DAILY INCM FD (41) *        783965866        27     13,530 SH              X   X              13,530

 SEI INTERM MUNI FD (23) *            784118408       494     46,375 SH          X                      46,375

 SEI INTERM MUNI FD (23) *            784118408        59      5,532 SH              X   X               5,532

 SEI PA MUNI FUND (24) *              784118507     4,204    410,901 SH          X                     410,901

 SEI PA MUNI FUND (24) *              784118507       372     36,370 SH              X   X              32,933      3,436

 SEI NJ MUNI TAX EX BD FD (27) *      784118689     1,536    156,705 SH          X                     156,705

 ST PAUL COMPANIES INC                792860108        60      1,750 SH          X                       1,750

 ST PAUL COMPANIES INC                792860108       191      5,600 SH              X   X               5,600

 SANMINA CORP                         800907107       624      7,300 SH          X                       7,300

 SANMINA CORP                         800907107        17        200 SH              X   X                 200

 SARA LEE CORP COM                    803111103     1,475     76,850 SH          X                      72,300                 4,550

 SARA LEE CORP COM                    803111103       176      9,150 SH              X   X               9,150

 SCHERING-PLOUGH CORP COM             806605101     3,880     76,826 SH          X                      70,826                 6,000

 SCHERING-PLOUGH CORP COM             806605101       222      4,400 SH              X   X               4,200        200

 SCHLUMBERGER LTD COM                 806857108     1,847     24,753 SH          X                      23,403                 1,350

 SCHLUMBERGER LTD COM                 806857108       305      4,090 SH              X   X               3,840        250

 SCIENTIFIC ATLANTA INC               808655104       537      7,210 SH          X                       7,210

 SCIENTIFIC MEASUREMENT SYS INC COM   808766109         1     10,000 SH              X   X              10,000

 SHELL TRANSPORT & TRADING CO PLC     822703609       300      6,000 SH          X                                             6,000

                                               ----------
          PAGE TOTAL                               22,753
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   18
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 SOUTHWEST AIRLS CO                   844741108       215     11,329 SH          X                       4,579                 6,750

 SOUTHWEST AIRLS CO                   844741108        13        675 SH              X   X                 675

 SOVEREIGN BANCORP INC                845905108       208     29,638 SH          X                      29,638

 SOVEREIGN BANCORP INC                845905108         9      1,220 SH              X   X               1,220

 SPRINT CORPORATION                   852061100       294      5,764 SH          X                       5,764

 SPRINT CORPORATION                   852061100       556     10,896 SH              X   X              10,896

 SPRINT CORP                          852061506       167      2,805 SH          X                       2,805
 PCS GROUP SER 1
 SPRINT CORP                          852061506       324      5,448 SH              X   X               5,448
 PCS GROUP SER 1
 STAPLES INC COM                      855030102     2,555    166,186 SH          X                     159,111                 7,075

 STAPLES INC COM                      855030102       202     13,130 SH              X   X              13,130

 STARBUCKS CORP COM                   855244109     1,547     40,500 SH          X                      38,300                 2,200

 STARBUCKS CORP COM                   855244109        19        500 SH              X   X                 500

 STARWOOD HOTELS & RESORTS WO         85590A203       472     14,500 SH          X                      14,500

 STARWOOD HOTELS & RESORTS WO         85590A203        13        400 SH              X   X                 400

 STERLING FINANCIAL CORP              859317109       991     49,995 SH          X                      49,995

 STERLING FINANCIAL CORP              859317109       106      5,340 SH              X   X               5,340

 STEFFEY & FINDLAY INC                860990456       210        545 SH          X                         545

 SUN MICROSYSTEMS INC                 866810104     5,168     56,827 SH          X                      56,727                   100

 SUN MICROSYSTEMS INC                 866810104       236      2,600 SH              X   X               2,000        600

 SUNOCO INC                           86764P109       212      7,214 SH          X                       5,614                 1,600

 SUNOCO INC                           86764P109         6        200 SH              X   X                 200

 SUSQUEHANNA BANCSHARES               869099101       607     42,564 SH          X                      42,564

 SUSQUEHANNA BANCSHARES               869099101       398     27,937 SH              X   X              27,937

 SYLVAN LEARNING SYS INC              871399101       487     35,450 SH          X                      32,950                 2,500

 SYLVAN LEARNING SYS INC              871399101        10        700 SH              X   X                 700

                                               ----------
          PAGE TOTAL                               15,025
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   19
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 TJX COS INC COM                      872540109       384     20,500 SH          X                      20,500

 TJX COS INC COM                      872540109         4        200 SH              X   X                 200

 TARGET CORP                          87612E106       660     11,380 SH          X                      11,380
 COM
 TELEPHONE & DATA SYS INC             879433100       351      3,500 SH          X                       3,500
 COM
 TELLABS INC COM                      879664100     1,105     16,150 SH          X                      16,150

 TELLABS INC COM                      879664100        14        200 SH              X   X                 200

 TERADYNE INC                         880770102       224      3,050 SH          X                       3,050

 TERADYNE INC                         880770102         4         50 SH              X   X                  50

 TEXACO INCORPORATED                  881694103     1,938     36,360 SH          X                      34,860                 1,500

 TEXACO INCORPORATED                  881694103       133      2,492 SH              X   X               2,492

 TEXAS INSTRUMENTS                    882508104     1,183     17,218 SH          X                      13,218                 4,000

 TEXAS INSTRUMENTS                    882508104        27        400 SH              X   X                 400

 TIME WARNER INC                      887315109       552      7,260 SH          X                       7,260

 TIME WARNER INC                      887315109        82      1,080 SH              X   X                 880        200

 TIMKEN CO                            887389104       210     11,300 SH          X                      11,300

 TOSCO CORP                           891490302       294     10,400 SH          X                      10,400
 COM NEW
 TYCO INTL LTD (NEW)                  902124106     3,407     71,917 SH          X                      69,299                 2,618

 TYCO INTL LTD (NEW)                  902124106       971     20,494 SH              X   X              20,244        250

 ULTRAMAR DIAMOND SHAMROCK            904000106       499     20,100 SH          X                      20,100

 ULTRAMAR DIAMOND SHAMROCK            904000106         2        100 SH              X   X                 100

 US WEST (NEW)                        91273H101     2,645     30,843 SH          X                      30,343                   500

 US WEST (NEW)                        91273H101       356      4,149 SH              X   X               4,149

 UNITED TECHNOLOGIES                  913017109     1,060     18,009 SH          X                      18,009

 UNITED TECHNOLOGIES                  913017109        15        250 SH              X   X                  50        200

 VANGUARD INTRMD BD INDX FD (314) *   921937306       109     11,422 SH          X                      11,422

                                               ----------
          PAGE TOTAL                               16,229
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   20
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 VANG INSD INTERM TAX EX FD (100)*    922021308       781     73,495 SH          X                      73,495

 VANG INSD INTERM TAX EX FD (100)*    922021308       520     48,941 SH              X   X              48,941

 VANGUARD LONG-TERM CORP FUND (28) *  922031109       160     19,835 SH          X                      19,835

 VANGUARD GNMA FUND (36) *            922031307       100     10,117 SH          X                      10,117

 VANG PA INSD L/T TAX-EXEMPT (77) *   92204L104       342     31,774 SH          X                      31,774

 VANG PA INSD L/T TAX-EXEMPT (77) *   92204L104       155     14,433 SH              X   X              14,433

 VANGU MUNI BD FD INTERM PORT (42) *  922907209       348     26,996 SH          X                      26,996

 VIACOM INC                           925524100       209      3,058 SH          X                       3,058
 CL A
 VIACOM INC                           925524100        14        200 SH              X   X                 200
 CL A
 VIACOM INC CL B COM                  925524308       168      2,467 SH          X                       2,467

 VIACOM INC CL B COM                  925524308       123      1,797 SH              X   X               1,797

 VODAFONE AIRTOUCH PUBLIC LTD CO      92857T107       564     13,509 SH          X                      13,509

 VODAFONE AIRTOUCH PUBLIC LTD CO      92857T107       243      5,810 SH              X   X               5,710        100

 WAL-MART STORES INC                  931142103     3,686     64,591 SH          X                      64,366                   225

 WAL-MART STORES INC                  931142103       565      9,900 SH              X   X               9,200        700

 WATSON PHARMACEUTICALS INC COM       942683103       408      7,600 SH          X                       7,600

 WATSON PHARMACEUTICALS INC COM       942683103        43        800 SH              X   X                 800

 WELLPOINT HEALTH NTWRKS NEW          94973H108       384      5,300 SH          X                       5,300
 COM
 WELLS FARGO & CO (NEW) COM           949746101       644     16,410 SH          X                      16,410

 WELLS FARGO & CO (NEW) COM           949746101       106      2,700 SH              X   X               2,700

 WILLIAMS COS INC                     969457100       222      5,324 SH          X                       5,324

 WILLIAMS COS INC                     969457100        20        474 SH              X   X                 474

 WORLDCOM INC GA NEW                  98157D106     4,589    100,024 SH          X                      99,024        400        600
 COM
 WORLDCOM INC GA NEW                  98157D106       722     15,741 SH              X   X              14,416      1,325
 COM
 WRIGLEY WM JR CO                     982526105       204      2,550 SH          X                       2,550

                                               ----------
          PAGE TOTAL                               15,320
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/18/00           PAGE   21
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 XILINX INC                           983919101       744      9,008 SH          X                       9,008
 COM
 XILINX INC                           983919101         4         50 SH              X   X                  50
 COM
 XEROX CORPORATION                    984121103       580     28,550 SH          X                      28,550

 XEROX CORPORATION                    984121103        14        700 SH              X   X                 700

 ZIONS BANCORPORATION                 989701107       987     21,500 SH          X                      19,700                 1,800
 COM
 ZIONS BANCORPORATION                 989701107        28        600 SH              X   X                 600
 COM
 DTX CORPORATION                      999996630       644      6,437 SH          X                       6,437

 1/4 INT WESS ASSOC GEN PTRSHP        999996994       325          1 SH          X                           1

 STEINMAN DEVELOPMENT LP INT          999998040       503          5 SH              X   X                   5

 ABRAM S HORST, JR. FAMILY L P        999999816     6,324          1 SH              X   X                   1

 THE HORST GROUP CLASS A              999999832       863     80,194 SH              X   X              80,194

 HORST HOTELS CLASS B                 999999840       218      7,399 SH              X   X               7,399

                                               ----------
          PAGE TOTAL                               11,234
         FINAL TOTALS                             492,605


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