FULTON FINANCIAL ADVISORS N A
13F-HR, 2000-10-13
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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:  September 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: 028-05805

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   October 13,2000

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: 551
Form 13f Information Table Value Total: $496,616

List of Other Included Managers:

No.  13F  File Number    Name
<PAGE>
<TABLE>			<C>						<C>
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    1
ASSETS AS OF 09/30/00
REQUESTED MODEL: BNK
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    1
                                                                    AS OF 09/30/00
 - - - - - 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)
 GLOBAL CROSSING LTD                  G3921A100     2,984     96,265 SH          X                      96,265
 COM
 GLOBAL CROSSING LTD                  G3921A100       171      5,500 SH              X   X               5,500
 COM
 GLOBALSTAR TELECOMMUNICATION         G3930H104       104     12,100 SH          X                      12,100
 COM
 GLOBALSTAR TELECOMMUNICATION         G3930H104         6        750 SH              X   X                 750
 COM
 TRANSOCEAN SEDCO FOREX INC           G90078109       488      8,323 SH          X                       7,909                   414
 COM
 TRANSOCEAN SEDCO FOREX INC           G90078109       137      2,336 SH              X   X               2,240         96
 COM
 LANOPTICS LTD                        M6706C103       550     15,700 SH          X                      15,030                   670
 ORD SHS
 LANOPTICS LTD                        M6706C103        14        400 SH              X   X                 400
 ORD SHS
 ADC TELECOMMUNICATION INC            000886101       393     14,600 SH          X                      14,600
 COM
 ADC TELECOMMUNICATION INC            000886101         4        150 SH              X   X                 150
 COM
 AT&T                                 001957109     2,460     83,745 SH          X                      83,595                   150

 AT&T                                 001957109       485     16,501 SH              X   X              15,351      1,150

 AXA FINL INC                         002451102       650     12,761 SH          X                      12,761
 COM
 AXA FINL INC                         002451102         1         18 SH              X   X                  18
 COM
 ABBOTT LAB COM                       002824100       768     16,155 SH          X                      15,655        500

 ABBOTT LAB COM                       002824100       628     13,200 SH              X   X              11,700      1,500

 ADVANCED MICRO DEVICES INC           007903107       342     14,400 SH          X                      14,400

 AGILENT TECHNOLOGIES INC             00846U101       210      4,281 SH          X                       4,281
 COM
 AGILENT TECHNOLOGIES INC             00846U101        76      1,559 SH              X   X               1,383        176
 COM
 AGRIPOST INC COM                     008543100         0     10,000 SH          X                      10,000

 AIRBORNE FGHT CORP COM               009266107       103     10,100 SH          X                       8,100                 2,000

 ALBERTSONS INC COM                   013104104       777     37,000 SH          X                      36,700                   300

 ALBERTSONS INC COM                   013104104        11        500 SH              X   X                 400        100

 ALCOA INC COM                        013817101       526     20,780 SH          X                      16,780                 4,000

 ALCOA INC COM                        013817101        56      2,200 SH              X   X               2,200

                                               ----------
          PAGE TOTAL                               11,944
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    2
                                                                    AS OF 09/30/00
 - - - - - 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)
 ALLEGHENY ENERGY INC COM             017361106       160      4,176 SH          X                       4,176

 ALLEGHENY ENERGY INC COM             017361106       138      3,600 SH              X   X               3,600

 ALLIED IRISH BKS PLC                 019228402     4,443    203,123 SH          X                     203,123

 ALLIED IRISH BKS PLC                 019228402     2,665    121,850 SH              X   X             119,050      2,800

 ALLSTATE CORP COM                    020002101       509     14,660 SH          X                      11,960                 2,700

 ALLSTATE CORP COM                    020002101        63      1,824 SH              X   X               1,824

 ALLTEL CORP COM                      020039103       415      7,945 SH          X                       5,395                 2,550

 ALLTEL CORP COM                      020039103        93      1,775 SH              X   X               1,775

 ALTERA CORP                          021441100       600     12,565 SH          X                      12,565
 COM
 ALTERA CORP                          021441100        10        200 SH              X   X                 200
 COM
 AMERICA ONLINE INC DEL COM           02364J104     1,728     32,150 SH          X                      29,300        250      2,600

 AMERICA ONLINE INC DEL COM           02364J104       144      2,680 SH              X   X               2,680

 AMER CTY INT TX FR INV FD (028)*     024934507       497     48,668 SH          X                      48,668

 AMERICAN EXPRESS COMPANY COM         025816109       602      9,904 SH          X                       7,504                 2,400

 AMERICAN EXPRESS COMPANY COM         025816109       398      6,558 SH              X   X               6,558

 AMERICAN HOME PRODUCTS CORP COM      026609107     4,089     72,444 SH          X                      68,344                 4,100

 AMERICAN HOME PRODUCTS CORP COM      026609107     2,440     43,238 SH              X   X              42,038      1,200

 AMERICAN INTL GROUP INC COM          026874107     3,665     38,297 SH          X                      35,147                 3,150

 AMERICAN INTL GROUP INC COM          026874107       787      8,229 SH              X   X               7,929        300

 AMERICAN WTR WKS INC COM             030411102     1,969     71,405 SH          X                      69,405                 2,000

 AMERICAN WTR WKS INC COM             030411102       484     17,560 SH              X   X               9,560      8,000

 AMGEN INC COM                        031162100     5,111     73,195 SH          X                      66,345        250      6,600

 AMGEN INC COM                        031162100       624      8,940 SH              X   X               8,940

 ANADARKO PETROLEUM CORP COM          032511107       458      6,884 SH          X                       4,884                 2,000

 ANADARKO PETROLEUM CORP COM          032511107        13        203 SH              X   X                 203

                                               ----------
          PAGE TOTAL                               32,105
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    3
                                                                    AS OF 09/30/00
 - - - - - 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)
 ANALOG DEVICES INC                   032654105     1,189     14,369 SH          X                      14,369

 ANALOG DEVICES INC                   032654105       331      4,000 SH              X   X               4,000

 ANHEUSER-BUSCH COS INC COM           035229103       303      7,150 SH          X                       7,150

 ANHEUSER-BUSCH COS INC COM           035229103        85      2,000 SH              X   X               2,000

 APACHE CORP COM                      037411105       213      3,600 SH          X                       1,600                 2,000

 APACHE CORP COM                      037411105         6        100 SH              X   X                 100

 APPLIED MATLS INC COM                038222105     1,175     19,816 SH          X                      18,316                 1,500

 APPLIED MATLS INC COM                038222105        50        850 SH              X   X                 850

 ARCHER DANIELS MIDLAND CO COM        039483102        65      7,534 SH          X                       7,534

 ARCHER DANIELS MIDLAND CO COM        039483102        29      3,336 SH              X   X               3,336

 ARROW ELECTRS INC                    042735100       576     16,900 SH          X                      16,900
 COM
 ARROW ELECTRS INC                    042735100        10        300 SH              X   X                 300
 COM
 ASSOCIATES FIRST CAP CORP            046008108       116      3,049 SH          X                       2,001                 1,048

 ASSOCIATES FIRST CAP CORP            046008108        87      2,291 SH              X   X               2,291

 ATMEL CORP                           049513104       562     37,000 SH          X                      37,000

 ATMEL CORP                           049513104       131      8,600 SH              X   X               8,600

 AUTOMATIC DATA PROCESSING INC COM    053015103        87      1,300 SH          X                       1,300

 AUTOMATIC DATA PROCESSING INC COM    053015103       174      2,600 SH              X   X               2,600

 AVAYA INC                            053499109       259     11,294 SH          X                      11,227         33         33
 COM
 AVAYA INC                            053499109        52      2,265 SH              X   X               2,215         50
 COM
 AVNET INC                            053807103       306     10,800 SH          X                      10,800
 COM
 AVON PRODUCTS INC                    054303102     1,267     31,000 SH          X                      31,000

 BP AMOCO PLC ADR                     055622104     2,137     40,327 SH          X                      40,327
 ADR SPONSORED
 BP AMOCO PLC ADR                     055622104       948     17,888 SH              X   X              17,888
 ADR SPONSORED
 BMC SOFTWARE INC                     055921100       250     13,050 SH          X                      12,000                 1,050

                                               ----------
          PAGE TOTAL                               10,408
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    4
                                                                    AS OF 09/30/00
 - - - - - 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)
 BMC SOFTWARE INC                     055921100         2        100 SH              X   X                 100

 BANK AMER CORP                       060505104       532     10,157 SH          X                      10,157
 COM
 BANK AMER CORP                       060505104        60      1,143 SH              X   X               1,030        113
 COM
 BANK OF NEW YORK CO INC              064057102     1,597     28,268 SH          X                      25,468                 2,800

 BANK OF NEW YORK CO INC              064057102       226      4,000 SH              X   X               4,000

 BANK ONE CORP COM                    06423A103     1,501     39,430 SH          X                      39,430

 BANK ONE CORP COM                    06423A103       254      6,677 SH              X   X               6,677

 BARD C R INC                         067383109       578     13,700 SH          X                      13,700

 BARD C R INC                         067383109         2         50 SH              X   X                  50

 BARNES & NOBLE INC COM               067774109       213     10,800 SH          X                       5,650                 5,150

 BARNES & NOBLE INC COM               067774109        28      1,400 SH              X   X               1,400

 BARRICK GOLD CORP COM                067901108       986     64,683 SH          X                      64,683

 BAXTER INTL INC COM                  071813109     1,467     18,380 SH          X                      18,380

 BAXTER INTL INC COM                  071813109       104      1,300 SH              X   X               1,300

 BED BATH & BEYOND INC COM            075896100       454     18,600 SH          X                      18,600

 BED BATH & BEYOND INC COM            075896100         2        100 SH              X   X                 100

 BP AMOCO PLC ORD                     0798059         151     16,014 SH          X                      16,014

 BP AMOCO PLC ORD                     0798059         167     17,707 SH              X   X              17,707

 BELLSOUTH COM                        079860102     3,529     87,135 SH          X                      84,035                 3,100

 BELLSOUTH COM                        079860102     1,958     48,340 SH              X   X              48,340

 BERKSHIRE HATHAWAY INC DEL CL A      084670108       644         10 SH          X                          10

 BERKSHIRE HATHAWAY INC DEL CL A      084670108       129          2 SH              X   X                   2

 BERKSHIRE HATHAWAY INC CL B          084670207       776        375 SH          X                         375

 BERKSHIRE HATHAWAY INC CL B          084670207        93         45 SH              X   X                  45

 BESTFOODS INC                        08658U101     2,970     40,820 SH          X                      38,820                 2,000

                                               ----------
          PAGE TOTAL                               18,423
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    5
                                                                    AS OF 09/30/00
 - - - - - 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)
 BESTFOODS INC                        08658U101       167      2,300 SH              X   X               2,300

 BIOGEN INC COM                       090597105     1,236     20,262 SH          X                      19,762                   500

 BIOGEN INC COM                       090597105        59        970 SH              X   X                 970

 BLACK & DECKER CORP                  091797100       505     14,775 SH          X                      13,200                 1,575

 BLACK & DECKER CORP                  091797100        83      2,422 SH              X   X               2,172        250

 BRISTOL MYERS SQUIBB CO COM          110122108     3,539     61,540 SH          X                      60,540                 1,000

 BRISTOL MYERS SQUIBB CO COM          110122108     1,361     23,676 SH              X   X              23,276        400

 CCFNB BANCORP INC COM                124880105       503     30,500 SH          X                      30,500

 CIGNA CORPORATION COM                125509109       256      2,450 SH          X                       2,450

 CIGNA CORPORATION COM                125509109        63        600 SH              X   X                 600

 CVS CORP                             126650100     3,637     78,535 SH          X                      78,535

 CVS CORP                             126650100       138      2,980 SH              X   X               2,580        400

 CAPITAL ONE FINANCIAL CORP           14040H105     1,586     22,632 SH          X                      22,632

 CAPITAL ONE FINANCIAL CORP           14040H105        12        175 SH              X   X                 175

 FEDERATED CAP PRESERVATION FD#04     140411109       289     28,864 SH          X                      28,864

 CARNIVAL CORP CL A                   143658102       267     10,848 SH          X                      10,848

 CATERPILLAR INC COM                  149123101       780     25,148 SH          X                      24,148                 1,000

 CHASE MANHATTAN CORP                 16161A108       331      7,174 SH          X                       7,174

 CHASE MANHATTAN CORP                 16161A108        28        600 SH              X   X                 600

 CHEVRON CORPORATION COM              166751107       713      8,363 SH          X                       6,363                 2,000

 CHEVRON CORPORATION COM              166751107       391      4,583 SH              X   X               4,383        200

 CISCO SYS INC COM                    17275R102     8,733    158,071 SH          X                     157,571                   500

 CISCO SYS INC COM                    17275R102     1,080     19,544 SH              X   X              18,544      1,000

 CINTAS CORP                          172908105       314      7,200 SH          X                       7,200
 COM
 CINTAS CORP                          172908105        65      1,500 SH              X   X               1,500
 COM
                                               ----------
          PAGE TOTAL                               26,136
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    6
                                                                    AS OF 09/30/00
 - - - - - 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)
 CITIGROUP INC                        172967101     5,393     99,760 SH          X                      99,760

 CITIGROUP INC                        172967101     1,043     19,291 SH              X   X              18,825        466

 CLEAR CHANNEL COMMUNICATION          184502102     1,216     21,520 SH          X                      21,520

 CLEAR CHANNEL COMMUNICATION          184502102        11        200 SH              X   X                 200

 COCA COLA CORP COM                   191216100     1,050     19,044 SH          X                      18,044                 1,000

 COCA COLA CORP COM                   191216100       568     10,300 SH              X   X              10,100        200

 COLGATE PALMOLIVE CO COM             194162103       210      4,450 SH          X                       3,900        550

 COLGATE PALMOLIVE CO COM             194162103       302      6,400 SH              X   X               6,400

 COMMUNITY BKS INC MILLERSBURG COM    203628102       708     33,509 SH          X                      33,509

 COMPAQ COMPUTER CORP COM             204493100     2,061     74,894 SH          X                      72,744        500      1,650

 COMPAQ COMPUTER CORP COM             204493100       202      7,350 SH              X   X               7,250        100

 COMPUTER ASSOC INTL INC              204912109       468     18,485 SH          X                      18,285                   200

 COMPUTER SCIENCES CORP               205363104       271      3,650 SH          X                       3,650

 COMPUTER SCIENCES CORP               205363104        56        750 SH              X   X                 750

 CONSTELLATION ENERGY GROUP I         210371100       366      7,354 SH          X                       7,354
 COM
 CONSTELLATION ENERGY GROUP I         210371100       237      4,755 SH              X   X               4,101        654
 COM
 CORNING INC COM                      219350105       252        850 SH          X                         850

 CORNING INC COM                      219350105       267        900 SH              X   X                 900

 DQE INC COM                          23329J104        70      1,746 SH          X                       1,746

 DQE INC COM                          23329J104       169      4,198 SH              X   X               4,198

 DANAHER CORP                         235851102       376      7,550 SH          X                       7,550

 DANAHER CORP                         235851102        60      1,200 SH              X   X                 800        400

 DEAN FOODS CO COM                    242361103       377     11,350 SH          X                      11,350

 DEAN FOODS CO COM                    242361103        18        550 SH              X   X                 550

 DEERE & CO COM                       244199105     1,125     33,827 SH          X                      31,827                 2,000

                                               ----------
          PAGE TOTAL                               16,876
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    7
                                                                    AS OF 09/30/00
 - - - - - 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)
 DEERE & CO COM                       244199105        49      1,475 SH              X   X               1,475

 DELL COMPUTER CORP COM               247025109     2,188     71,000 SH          X                      71,000

 DELL COMPUTER CORP COM               247025109       211      6,850 SH              X   X               6,850

 WALT DISNEY CO COM                   254687106     4,690    122,625 SH          X                     117,875                 4,750

 WALT DISNEY CO COM                   254687106     1,029     26,890 SH              X   X              25,990        900

 DOCUCORP INTL INC                    255911109        53     13,000 SH              X   X              13,000

 DONNELLEY (R R) COM                  257867101       254     10,350 SH          X                       6,350                 4,000

 DONNELLEY (R R) COM                  257867101        82      3,340 SH              X   X               3,340

 DOW CHEMICAL COMPANY COM             260543103       396     15,882 SH          X                      11,382                 4,500

 DOW CHEMICAL COMPANY COM             260543103       540     21,672 SH              X   X              21,072        600

 DUPONT (EI) COM                      263534109     2,143     52,436 SH          X                      46,396                 6,040

 DUPONT (EI) COM                      263534109       674     16,499 SH              X   X              16,049        450

 DUKE ENERGY COM                      264399106       933     10,877 SH          X                       8,377                 2,500

 DUKE ENERGY COM                      264399106       159      1,850 SH              X   X               1,850

 E M C CORP MASS COM                  268648102     3,159     31,750 SH          X                      30,750                 1,000

 E M C CORP MASS COM                  268648102       189      1,900 SH              X   X               1,900

 ENSCO INTL INC                       26874Q100       214      5,600 SH          X                       5,600

 ENSCO INTL INC                       26874Q100        34        900 SH              X   X                 900

 EASTMAN CHEM CO COM                  277432100       253      6,851 SH          X                       6,851

 EASTMAN CHEM CO COM                  277432100         4        100 SH              X   X                 100

 EASTMAN KODAK COMPANY COM            277461109       204      4,986 SH          X                       2,486                 2,500

 EASTMAN KODAK COMPANY COM            277461109        10        244 SH              X   X                 244

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

 ELAN PLC                             284131208     2,116     38,650 SH          X                      38,650

 ELAN PLC                             284131208        93      1,700 SH              X   X               1,700

                                               ----------
          PAGE TOTAL                               19,707
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    8
                                                                    AS OF 09/30/00
 - - - - - 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)
 ELECTRONIC ARTS COM                  285512109       385      7,800 SH          X                       7,800

 ELECTRONIC ARTS COM                  285512109        40        800 SH              X   X                 800

 ELECTRONIC DATA SYS CORP NEW COM     285661104       408      9,833 SH          X                       9,433                   400

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

 EMERSON ELECTRIC COMPANY COM         291011104     1,767     26,370 SH          X                      24,370                 2,000

 EMERSON ELECTRIC COMPANY COM         291011104       238      3,550 SH              X   X               3,250        300

 ENRON CORP COM                       293561106       846      9,650 SH          X                       9,650

 ENRON CORP COM                       293561106       307      3,500 SH              X   X               3,500

 EPHRATA NATIONAL BANK COM            294209200       180      8,050 SH          X                       8,050

 EPHRATA NATIONAL BANK COM            294209200       151      6,750 SH              X   X               6,750

 EQUITY OFFICE PPTYS TR               294741103       334     10,750 SH          X                      10,750

 EQUITY RESIDENTIAL PPTYS TR          29476L107       514     10,700 SH          X                      10,700

 ERICSSON L M TEL CO ADR B COM        294821400       482     32,550 SH          X                      32,550

 ERICSSON L M TEL CO ADR B COM        294821400       252     17,000 SH              X   X              16,700        300

 EXXON MOBIL CORP COM                 30231G102    12,582    141,207 SH          X                     133,423                 7,784

 EXXON MOBIL CORP COM                 30231G102     7,327     82,224 SH              X   X              79,506      2,718

 FPL GROUP INC COM                    302571104       273      4,146 SH          X                       4,146

 FREDDIE MAC COM                      313400301     2,119     39,191 SH          X                      35,991                 3,200

 FREDDIE MAC COM                      313400301        54      1,000 SH              X   X                 800        200

 FANNIE MAE COM                       313586109     4,053     56,691 SH          X                      53,991                 2,700

 FANNIE MAE COM                       313586109     1,687     23,593 SH              X   X              23,393        200

 FED SHORT TERM MUNI TR (24) *        313907107       641     63,593 SH          X                      63,593

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

 FED MUNI SEC FD (20-DF) & (358-RS)*  313913105        77      7,731 SH          X                       7,731

 FED MUNI SEC FD (20-DF) & (358-RS)*  313913105        50      5,016 SH              X   X                 961      4,055

                                               ----------
          PAGE TOTAL                               34,881
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE    9
                                                                    AS OF 09/30/00
 - - - - - 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)
 FEDERATED ARMS FUND (96) *           314082108       675     71,104 SH          X                      70,096                 1,008

 FEDERATED ARMS FUND (96) *           314082108        18      1,869 SH              X   X               1,869

 FEDERATED GNMA TRUST (16) *          314184102       857     78,077 SH          X                      78,077

 FEDERATED GNMA TRUST (16) *          314184102       167     15,217 SH              X   X              15,217

 FED HIGH YIELD TR FD (38) *          314197104     1,635    220,008 SH          X                     218,832                 1,175

 FED HIGH YIELD TR FD (38) *          314197104       250     33,658 SH              X   X              32,403      1,254

 FED INCOME TRUST (36) *              314199100     2,611    260,529 SH          X                     259,982                   546

 FED INCOME TRUST (36) *              314199100       156     15,554 SH              X   X              15,554

 FED INSTL GOVT ULTRASHT FUND (626)*  31420B102       472    238,482 SH          X                     238,482

 FED INSTL GOVT ULTRASHT FUND (626)*  31420B102        33     16,790 SH              X   X              16,790

 FED S/T INCOME FD (65)*              31420C209     1,988    231,715 SH          X                     231,715

 FED S/T INCOME FD (65)*              31420C209        97     11,296 SH              X   X              11,296

 FED INTERM. INC FD (303) *           31420C407     1,317    137,024 SH          X                     137,024

 FED INTERM. INC FD (303) *           31420C407        31      3,215 SH              X   X               3,215

 FED US GOVT SECS FD (47) *           31428P103       217     20,627 SH          X                      20,627
 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       210     20,709 SH          X                      20,709

 FED LIMITED DURATION FD (830) *      31428Q408     2,667    272,373 SH          X                     272,373

 FED LIMITED DURATION FD (830) *      31428Q408       141     14,447 SH              X   X              14,447

 FEDERATED ULTRA SHT BOND FD #838     31428Q606       851    434,386 SH          X                     434,386

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

 FEDERATED MORTGAGE FUND-INST (835)*  31428Q887     1,694    172,144 SH          X                     172,144

 FEDERATED MORTGAGE FUND-INST (835)*  31428Q887        32      3,220 SH              X   X               3,220

 FED US GOVT BD FD (86) *             314284100       113     11,109 SH          X                      11,109

 FED US GOVT BD FD (86) *             314284100         4        364 SH              X   X                 364

                                               ----------
          PAGE TOTAL                               16,250
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   10
                                                                    AS OF 09/30/00
 - - - - - 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)
 FIFTH THIRD BANCORP COM              316773100       218      4,050 SH          X                       4,050

 FIFTH THIRD BANCORP COM              316773100        24        450 SH              X   X                 450

 FIRST DATA CORP COM                  319963104       656     16,794 SH          X                      16,794

 FIRST DATA CORP COM                  319963104       104      2,650 SH              X   X               2,650

 FIRST UNION CORP COM                 337358105     3,490    108,427 SH          X                     101,781                 6,646

 FIRST UNION CORP COM                 337358105     1,490     46,294 SH              X   X              33,761     12,533

 FIRSTAR CORP NEW WIS                 33763V109       389     17,400 SH          X                      17,400

 FIRSTAR CORP NEW WIS                 33763V109        56      2,500 SH              X   X               2,500

 FORD MTR CO DEL COM                  345370860       214      8,402 SH          X                       4,906                 3,496
 PAR $0.01
 FORD MTR CO DEL COM                  345370860       171      6,704 SH              X   X               6,704
 PAR $0.01
 FOREST LABS INC                      345838106       711      6,200 SH          X                       6,200
 COM
 FOREST LABS INC                      345838106        20        175 SH              X   X                 175
 COM
 FULTON FINANCIAL CORP COM            360271100    26,291  1,326,944 SH          X                   1,316,456                10,488

 FULTON FINANCIAL CORP COM            360271100    10,115    510,519 SH              X   X             299,897    180,257     30,365

 GPU INC                              36225X100       340     10,488 SH          X                       9,988                   500

 GPU INC                              36225X100        40      1,242 SH              X   X               1,242

 GANNETT CO COM                       364730101       871     16,435 SH          X                      13,835                 2,600

 GANNETT CO COM                       364730101       588     11,095 SH              X   X              10,995        100

 GAP INC COM                          364760108       243     12,050 SH          X                      12,050

 GENERAL ELECTRIC CO COM              369604103    12,060    208,600 SH          X                     202,000                 6,600

 GENERAL ELECTRIC CO COM              369604103    13,636    235,871 SH              X   X             235,271        600

 GENERAL MILLS INC COM                370334104       332      9,341 SH          X                       9,341

 GENERAL MILLS INC COM                370334104        39      1,086 SH              X   X                 486        600

 GENERAL MOTORS COM                   370442105       231      3,555 SH          X                       2,803                   752

 GENERAL MOTORS COM                   370442105       165      2,537 SH              X   X               2,537

                                               ----------
          PAGE TOTAL                               72,494
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   11
                                                                    AS OF 09/30/00
 - - - - - 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)
 GENERAL MOTORS CORP CL H (NEW)       370442832       127      3,410 SH          X                       2,618                   792

 GENERAL MOTORS CORP CL H (NEW)       370442832       105      2,817 SH              X   X               2,817

 GEORGIA PACIFIC CORP COM             373298108       275     11,700 SH          X                      11,700

 GILLETTE CO COM                      375766102       255      8,265 SH          X                       8,265

 GILLETTE CO COM                      375766102        79      2,550 SH              X   X               2,100        450

 GOLDMAN SACHS GROUP INC COM          38141G104       513      4,500 SH          X                       4,500

 GOLDMAN SACHS GROUP INC COM          38141G104        57        500 SH              X   X                 500

 GS CORE FIXED INC FD CL I (459)*     38141W810       450     47,153 SH          X                      44,722                 2,431

 GS CORE FIXED INC FD CL I (459)*     38141W810        10      1,057 SH              X   X               1,057

 HALLIBURTON CO                       406216101       371      7,575 SH          X                       7,575

 HALLIBURTON CO                       406216101        29        600 SH              X   X                 300        300

 HARLEYSVILLE SVGS FINL CORP          412865107       311     20,624 SH          X                      20,624
 COM
 HARRIS FINL INC                      414541102       216     27,900 SH          X                      27,900

 HEALTHSOUTH REHAB CORP COM           421924101       136     16,900 SH          X                      11,400                 5,500

 HEALTHSOUTH REHAB CORP COM           421924101        34      4,200 SH              X   X               4,200

 HEALTH MGMT ASSOC INC (NEW) COM      421933102       253     12,137 SH          X                      12,137

 H J HEINZ CO COM                     423074103       684     18,450 SH          X                      18,450

 H J HEINZ CO COM                     423074103       522     14,075 SH              X   X              14,075

 HERSHEY FOODS CORPORATION COM        427866108     2,122     39,205 SH          X                      39,205

 HERSHEY FOODS CORPORATION COM        427866108       458      8,464 SH              X   X               8,464

 HEWLETT-PACKARD CO COM               428236103       812      8,329 SH          X                       8,329

 HEWLETT-PACKARD CO COM               428236103       403      4,135 SH              X   X               3,935        200

 HOME DEPOT INC COM                   437076102     4,147     78,328 SH          X                      72,778                 5,550

 HOME DEPOT INC COM                   437076102     1,247     23,562 SH              X   X              23,187        375

 HONEYWELL INTL INC                   438516106       317      8,896 SH          X                       5,896                 3,000
 COM
                                               ----------
          PAGE TOTAL                               13,933
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   12
                                                                    AS OF 09/30/00
 - - - - - 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)
 HONEYWELL INTL INC                   438516106        71      1,984 SH              X   X               1,584        400
 COM
 HOUSEHOLD INTERNATIONAL INC COM      441815107       478      8,450 SH          X                       8,450

 HOUSEHOLD INTERNATIONAL INC COM      441815107         8        150 SH              X   X                 150

 IMS HEALTH INC                       449934108       635     30,600 SH          X                      30,600

 IMS HEALTH INC                       449934108        37      1,800 SH              X   X               1,800

 INCO LTD CONV       7.750% 03/15/16  453258AH8       254    275,000 SH              X   X

 INTEL CORP COM                       458140100     6,250    150,382 SH          X                     143,682                 6,700

 INTEL CORP COM                       458140100     1,520     36,560 SH              X   X              34,660      1,900

 FED INTERM MUNI TR (78) *            458810108       478     47,228 SH          X                      47,228

 FED INTERM MUNI TR (78) *            458810108        45      4,432 SH              X   X                 271      4,161

 IBM COM                              459200101     4,385     38,933 SH          X                      38,258        150        525

 IBM COM                              459200101       642      5,699 SH              X   X               5,699

 INTERNATIONAL PAPER CO COM           460146103       811     28,275 SH          X                      27,700                   575

 INTERNATIONAL PAPER CO COM           460146103        11        400 SH              X   X                 400

 INTERPUBLIC GROUP OF COS COM         460690100       662     19,428 SH          X                      14,328                 5,100

 INTERPUBLIC GROUP OF COS COM         460690100        41      1,200 SH              X   X               1,000        200

 JDS UNIPHASE CORP                    46612J101       770      8,128 SH          X                       8,128
 COM
 JDS UNIPHASE CORP                    46612J101        47        500 SH              X   X                 500
 COM
 JOHNSON & JOHNSON COM                478160104     3,321     35,348 SH          X                      32,998        350      2,000

 JOHNSON & JOHNSON COM                478160104     1,119     11,909 SH              X   X              11,759        150

 JONES APPAREL GROUP INC              480074103       454     17,150 SH          X                      17,150

 JONES APPAREL GROUP INC              480074103        16        600 SH              X   X                 600

 KELLOGG CO COM                       487836108       112      4,610 SH          X                       4,610

 KELLOGG CO COM                       487836108       173      7,149 SH              X   X               1,000                 6,149

 KERR MCGEE CORP COM                  492386107       265      3,996 SH          X                       3,996

                                               ----------
          PAGE TOTAL                               22,605
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   13
                                                                    AS OF 09/30/00
 - - - - - 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)
 KEYSTONE FINANCIAL COM               493482103       124      5,688 SH          X                       5,688

 KEYSTONE FINANCIAL COM               493482103       239     10,971 SH              X   X              10,971

 KIMBERLY CLARK COM                   494368103       450      8,062 SH          X                       8,062

 KIMBERLY CLARK COM                   494368103        56      1,000 SH              X   X                 900        100

 KINDER MORGAN INC KANS               49455P101       205      5,000 SH              X   X               5,000
 COM
 KOHLS CORP                           500255104       245      4,250 SH          X                       4,250

 KOHLS CORP                           500255104        95      1,650 SH              X   X               1,450        200

 LSI LOGIC CORP COM                   502161102       371     12,700 SH          X                      12,700

 LSI LOGIC CORP COM                   502161102       132      4,500 SH              X   X               4,100        400

 LILLY (ELI) & CO COM                 532457108     2,271     27,990 SH          X                      26,915                 1,075

 LILLY (ELI) & CO COM                 532457108       234      2,890 SH              X   X               2,690        200

 LINEAR TECHNOLOGY CORP               535678106       495      7,643 SH          X                       7,643

 LOWES COMPANIES COM                  548661107       286      6,375 SH          X                       6,375

 LUCENT TECHNOLOGIES INC COM          549463107     4,134    135,529 SH          X                     134,729        400        400

 LUCENT TECHNOLOGIES INC COM          549463107       829     27,190 SH              X   X              26,990        200

 MBIA INC COM                         55262C100     2,403     33,782 SH          X                      32,982                   800

 MBIA INC COM                         55262C100       212      2,975 SH              X   X               2,975

 MBNA CORP COM                        55262L100       672     17,447 SH          X                      17,447

 MBNA CORP COM                        55262L100       146      3,787 SH              X   X               3,787

 MGIC INVT CORP WIS                   552848103       208      3,400 SH          X                       3,400

 MNB CORP                             553104100       310      7,961 SH          X                       7,961
 CDT-COM
 MAIN STR BANCORP                     559906102       141     17,003 SH          X                      17,003

 MAIN STR BANCORP                     559906102         4        428 SH              X   X                 428

 MALLINCKRODT INC                     561232109       137      3,000 SH          X                                             3,000

 MALLINCKRODT INC                     561232109        68      1,500 SH              X   X               1,500

                                               ----------
          PAGE TOTAL                               14,467
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   14
                                                                    AS OF 09/30/00
 - - - - - 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)
 MAY DEPT STORE COM                   577778103       443     21,600 SH          X                      21,600

 MAY DEPT STORE COM                   577778103         6        300 SH              X   X                 300

 MCDONALD'S CORP COM                  580135101       263      8,700 SH          X                       5,700                 3,000

 MCDONALD'S CORP COM                  580135101       144      4,770 SH              X   X               3,070      1,700

 MCLEOD USA INC COM                   582266102       544     38,031 SH          X                      38,031

 MEDTRONIC INC COM                    585055106     2,245     43,326 SH          X                      41,326                 2,000

 MEDTRONIC INC COM                    585055106       258      4,986 SH              X   X               4,186        800

 MELLON FINL CORP                     58551A108       534     11,522 SH          X                      10,572        950
 COM
 MELLON FINL CORP                     58551A108       424      9,148 SH              X   X               7,596      1,552
 COM
 MERCK & CO INC COM                   589331107     5,139     69,039 SH          X                      65,989        150      2,900

 MERCK & CO INC COM                   589331107     3,277     44,020 SH              X   X              43,670        350

 MERRILL LYNCH & CO INC               590188108       165      2,500 SH          X                       2,500

 MERRILL LYNCH & CO INC               590188108        46        700 SH              X   X                 700

 MICROSOFT CORP COM                   594918104     5,472     90,720 SH          X                      88,020        300      2,400

 MICROSOFT CORP COM                   594918104     1,043     17,285 SH              X   X              17,285

 MILLIPORE CORP COM                   601073109       400      8,250 SH          X                       8,250

 MILLIPORE CORP COM                   601073109       155      3,200 SH              X   X               3,200

 MINNESOTA MINING & MFG CO COM        604059105       258      2,830 SH          X                       1,830                 1,000

 MINNESOTA MINING & MFG CO COM        604059105       147      1,610 SH              X   X               1,110        500

 MOHAWK INDS INC                      608190104       193      8,850 SH          X                       8,850

 MOHAWK INDS INC                      608190104        20        900 SH              X   X                 900

 MORGAN (J P) COM                     616880100       390      2,386 SH          X                       2,386

 MORGAN (J P) COM                     616880100       108        661 SH              X   X                 661

 MORGAN STANLEY DEAN WITTER DISCOVER  617446448       317      3,462 SH          X                       3,462

 MORGAN STANLEY DEAN WITTER DISCOVER  617446448       121      1,320 SH              X   X               1,320

                                               ----------
          PAGE TOTAL                               22,112
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   15
                                                                    AS OF 09/30/00
 - - - - - 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)
 MOTOROLA INC COM                     620076109     1,460     49,499 SH          X                      46,499                 3,000

 MOTOROLA INC COM                     620076109       457     15,475 SH              X   X              14,725        750

 NATIONAL SEMICONDUCTOR CORP COM      637640103       624     15,310 SH          X                      15,310

 NATIONAL SEMICONDUCTOR CORP COM      637640103        39        950 SH              X   X                 950

 NATIONWIDE FINL SVCS INC             638612101       732     19,592 SH          X                      19,592
 CL A
 NETWORKS ASSOCS INC                  640938106       486     21,500 SH          X                      19,500                 2,000

 NETWORKS ASSOCS INC                  640938106        98      4,350 SH              X   X               3,950        400

 NEXTEL COMMUNICATIONS INC CL A       65332V103       830     17,755 SH          X                      17,755

 NEXTEL COMMUNICATIONS INC CL A       65332V103        75      1,600 SH              X   X               1,600

 NOBLE AFFILIATES INC COM             654894104       624     16,815 SH          X                      16,815

 NOKIA CORP SPONS ADR                 654902204     1,011     25,275 SH          X                      25,275

 NOKIA CORP SPONS ADR                 654902204       151      3,775 SH              X   X               3,775

 NORDSTROM INC COM                    655664100       372     23,900 SH          X                      23,900

 NORTEL NETWORKS CORP (NEW) COM       656568102       535      8,990 SH          X                       8,990

 NORTEL NETWORKS CORP (NEW) COM       656568102        30        500 SH              X   X                 200        300

 NOVELL INC COM                       670006105       744     74,900 SH          X                      74,900

 NOVELL INC COM                       670006105         6        620 SH              X   X                 620

 NOVELLUS SYS INC COM                 670008101       531     11,400 SH          X                      11,400

 NOVELLUS SYS INC COM                 670008101       198      4,250 SH              X   X               4,250

 NUCOR CORP COM                       670346105       737     24,270 SH          X                      22,270                 2,000

 NUCOR CORP COM                       670346105         9        300 SH              X   X                 300

 OAO TECHNOLOGY SOLUTIONS INC         67082B105        39     10,000 SH              X   X              10,000

 ORACLE SYS CORP                      68389X105     1,489     18,903 SH          X                      15,453        200      3,250

 ORACLE SYS CORP                      68389X105        96      1,225 SH              X   X               1,225

 PECO ENERGY CO                       693304107       777     12,818 SH          X                      12,818

                                               ----------
          PAGE TOTAL                               12,150
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   16
                                                                    AS OF 09/30/00
 - - - - - 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)
 PECO ENERGY CO                       693304107       268      4,423 SH              X   X               4,423

 PE CORP                              69332S102       291      2,500 SH          X                       2,500
 COM PE BISYS GR
 PE CORP                              69332S102        41        350 SH              X   X                 350
 COM PE BISYS GR
 PMA CAP CORP                         693419202     1,160     64,424 SH              X   X              64,424
 CL A
 PNC FINANCIAL SERVICES GROUP         693475105     1,907     29,345 SH          X                      26,545                 2,800

 PNC FINANCIAL SERVICES GROUP         693475105       836     12,855 SH              X   X              12,555        300

 P P G IND CAPITAL COM                693506107       211      5,312 SH          X                       5,312

 PPL CORP                             69351T106     1,328     31,787 SH          X                      28,387                 3,400
 COM
 PPL CORP                             69351T106       356      8,530 SH              X   X               8,530
 COM
 PACIFIC CENTURY FINL CORP            694058108       371     21,690 SH          X                      21,690

 PACIFIC CENTURY FINL CORP            694058108         3        150 SH              X   X                 150

 PALM INC                             696642107       259      4,893 SH          X                                    444      4,449
 COM
 PARAMETRIC TECHNOLOGY CORP COM       699173100       128     11,700 SH          X                      10,500                 1,200

 PARAMETRIC TECHNOLOGY CORP COM       699173100        33      3,000 SH              X   X               3,000

 PENNROCK FINANCIAL SERVICES CORP COM 708352109       211     13,821 SH          X                      13,821

 PENNROCK FINANCIAL SERVICES CORP COM 708352109        49      3,245 SH              X   X               3,245

 PEPSICO INC COM                      713448108     4,393     95,509 SH          X                      91,209                 4,300

 PEPSICO INC COM                      713448108     1,036     22,525 SH              X   X              20,525      2,000

 PFIZER INC COM                       717081103     4,454     99,152 SH          X                      98,852                   300

 PFIZER INC COM                       717081103     1,525     33,947 SH              X   X              33,047        900

 PHARMACIA CORP                       71713U102     2,195     36,465 SH          X                      35,265                 1,200
 COM
 PHARMACIA CORP                       71713U102       310      5,149 SH              X   X               5,149
 COM
 PHILIP MORRIS COS INC COM            718154107     1,912     64,950 SH          X                      64,950

 PHILIP MORRIS COS INC COM            718154107       147      5,000 SH              X   X               5,000

 PHILLIPS PETROLEUM CO COM            718507106        36        570 SH          X                         570

                                               ----------
          PAGE TOTAL                               23,460
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   17
                                                                    AS OF 09/30/00
 - - - - - 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)
 PHILLIPS PETROLEUM CO COM            718507106       207      3,300 SH              X   X               3,300

 PITNEY-BOWES INC COM                 724479100       259      6,570 SH          X                       6,570

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

 POTOMAC ELECTRIC POWER CO COM        737679100       115      4,550 SH          X                       4,550

 POTOMAC ELECTRIC POWER CO COM        737679100       116      4,600 SH              X   X               4,600

 PROCTER & GAMBLE COMPANY COM         742718109     1,653     24,668 SH          X                      24,168                   500

 PROCTER & GAMBLE COMPANY COM         742718109       979     14,606 SH              X   X              14,506        100

 PROVIDIAN FINL CORP                  74406A102       546      4,300 SH          X                       4,300

 PUBLIC SVC ENTERPRISE GROUP CO COM   744573106       251      5,606 SH          X                       5,606

 PUBLIC SVC ENTERPRISE GROUP CO COM   744573106        13        300 SH              X   X                 300

 QUAKER OATS COMPANY COM              747402105       603      7,625 SH          X                       7,625

 QWEST COMMUNICATIONS                 749121109     3,084     64,083 SH          X                      62,519                 1,564

 QWEST COMMUNICATIONS                 749121109       417      8,665 SH              X   X               8,665

 ROHM & HAAS CO COM                   775371107         5        165 SH          X                         165

 ROHM & HAAS CO COM                   775371107       258      8,882 SH              X   X               8,882

 ROYAL DUTCH PETE CO                  780257804       531      8,860 SH          X                       8,860

 ROYAL DUTCH PETE CO                  780257804        90      1,500 SH              X   X               1,300        200

 SBC COMMUNICATIONS INC               78387G103     2,669     53,520 SH          X                      53,520

 SBC COMMUNICATIONS INC               78387G103     1,419     28,447 SH              X   X              27,897        550

 SCI SYSTEMS INC                      783890106       287      7,000 SH          X                       7,000

 SCI SYSTEMS INC                      783890106        29        700 SH              X   X                 700

 SEI BOND INDEX FUND (56) *           783924301    20,063  1,961,174 SH          X                   1,956,312                 4,862

 SEI BOND INDEX FUND (56) *           783924301       291     28,423 SH              X   X              27,586        837

 SEI CORE FIXED INCOME FUND (64) *    783925506     2,124    210,756 SH          X                     210,756

 SEI CORE FIXED INCOME FUND (64) *    783925506         7        668 SH              X   X                 668

                                               ----------
          PAGE TOTAL                               36,028
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   18
                                                                    AS OF 09/30/00
 - - - - - 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 HIGH YIELD BOND FUND (59) *      783925647       188     20,527 SH          X                      20,527

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

 SEI GNMA FUND (47) *                 783965643     1,090    114,418 SH          X                     114,418

 SEI GNMA FUND (47) *                 783965643        45      4,743 SH              X   X               4,743

 SEI INTMDT DURATION GOVT FD (46) *   783965742     1,664    168,272 SH          X                     168,272

 SEI INTMDT DURATION GOVT FD (46) *   783965742       142     14,310 SH              X   X              14,310

 SEI SHORT DURATION GOVT FUND (45)*   783965858     1,241    124,266 SH          X                     123,231                 1,035

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

 SEI CORP DAILY INCM FD (41) *        783965866     2,646  1,329,749 SH          X                   1,329,749

 SEI CORP DAILY INCM FD (41) *        783965866        33     16,342 SH              X   X              16,342

 SDL INC                              784076101       680      2,200 SH          X                       2,200
 COM
 SEI INVTS CO                         784117103       318      4,500 SH          X                       4,500
 COM
 SEI INTERM MUNI FD (23) *            784118408       476     44,248 SH          X                      44,248

 SEI INTERM MUNI FD (23) *            784118408        60      5,532 SH              X   X               5,532

 SEI PA MUNI FUND (24) *              784118507     2,751    267,101 SH          X                     267,101

 SEI PA MUNI FUND (24) *              784118507       374     36,300 SH              X   X              32,784      3,516

 SEI NJ MUNI TAX EX BD FD (27) *      784118689     1,539    155,650 SH          X                     155,650

 ST PAUL COMPANIES INC                792860108        85      1,694 SH          X                       1,694

 ST PAUL COMPANIES INC                792860108       272      5,400 SH              X   X               5,400

 SANMINA CORP                         800907107       702      7,500 SH          X                       7,500

 SANMINA CORP                         800907107        19        200 SH              X   X                 200

 SAPIENT CORP                         803062108       313      7,700 SH          X                       7,700
 COM
 SAPIENT CORP                         803062108        10        250 SH              X   X                 250
 COM
 SARA LEE CORP COM                    803111103     1,637     80,600 SH          X                      75,300        750      4,550

 SARA LEE CORP COM                    803111103       170      8,350 SH              X   X               8,350

                                               ----------
          PAGE TOTAL                               16,514
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   19
                                                                    AS OF 09/30/00
 - - - - - 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)
 SCHERING-PLOUGH CORP COM             806605101     3,642     78,226 SH          X                      72,226                 6,000

 SCHERING-PLOUGH CORP COM             806605101       275      5,900 SH              X   X               5,700        200

 SCHLUMBERGER LTD COM                 806857108     2,049     24,887 SH          X                      23,537                 1,350

 SCHLUMBERGER LTD COM                 806857108       328      3,990 SH              X   X               3,740        250

 SCIENTIFIC ATLANTA INC               808655104     1,477     23,210 SH          X                      23,210

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

 SHELL TRANSPORT & TRADING CO PLC     822703609       294      6,000 SH          X                                             6,000

 SOUTHWEST AIRLS CO                   844741108       269     11,091 SH          X                       4,341                 6,750

 SOUTHWEST AIRLS CO                   844741108        16        675 SH              X   X                 675

 SOVEREIGN BANCORP INC                845905108       265     28,696 SH          X                      28,696

 SOVEREIGN BANCORP INC                845905108        11      1,220 SH              X   X               1,220

 SPRINT CORPORATION                   852061100       172      5,864 SH          X                       5,864

 SPRINT CORPORATION                   852061100       319     10,896 SH              X   X              10,896

 SPRINT CORP                          852061506        99      2,805 SH          X                       2,805
 PCS GROUP SER 1
 SPRINT CORP                          852061506       191      5,448 SH              X   X               5,448
 PCS GROUP SER 1
 STAPLES INC COM                      855030102     2,243    158,118 SH          X                     151,043                 7,075

 STAPLES INC COM                      855030102       181     12,730 SH              X   X              12,730

 STARBUCKS CORP COM                   855244109     1,564     39,050 SH          X                      36,850                 2,200

 STARBUCKS CORP COM                   855244109        16        400 SH              X   X                 400

 STERLING FINANCIAL CORP              859317109       944     49,995 SH          X                      49,995

 STERLING FINANCIAL CORP              859317109       101      5,340 SH              X   X               5,340

 STILWELL FINL INC                    860831106       505     11,600 SH          X                      11,600
 COM
 STEFFEY & FINDLAY INC                860990456       210        545 SH          X                         545

 STMICROELECTRONICS N V               861012102       506     10,595 SH          X                      10,595
 SHS-N Y RGISTRY
 SUMMIT BANCORP COM                   866005101       112      3,253 SH          X                       2,383                   870

                                               ----------
          PAGE TOTAL                               15,790
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   20
                                                                    AS OF 09/30/00
 - - - - - 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)
 SUMMIT BANCORP COM                   866005101       165      4,792 SH              X   X               4,792

 SUN MICROSYSTEMS INC                 866810104     6,427     55,050 SH          X                      54,950                   100

 SUN MICROSYSTEMS INC                 866810104       304      2,600 SH              X   X               2,000        600

 SUNOCO INC                           86764P109     1,337     49,614 SH          X                      48,014                 1,600

 SUSQUEHANNA BANCSHARES               869099101       648     42,464 SH          X                      42,464

 SUSQUEHANNA BANCSHARES               869099101       340     22,312 SH              X   X              22,312

 TJX COS INC COM                      872540109       461     20,500 SH          X                      20,500

 TJX COS INC COM                      872540109         5        200 SH              X   X                 200

 TARGET CORP                          87612E106     1,362     53,160 SH          X                      53,160
 COM
 TELEPHONE & DATA SYS INC             879433100       609      5,500 SH          X                       5,500
 COM
 TELLABS INC COM                      879664100       671     14,050 SH          X                      14,050

 TELLABS INC COM                      879664100        10        200 SH              X   X                 200

 TERADYNE INC                         880770102       200      5,700 SH          X                       5,700

 TERADYNE INC                         880770102        11        300 SH              X   X                 300

 TEXACO INCORPORATED                  881694103     1,877     35,758 SH          X                      34,258                 1,500

 TEXACO INCORPORATED                  881694103       131      2,492 SH              X   X               2,492

 TEXAS INSTRUMENTS                    882508104       860     18,151 SH          X                      14,151                 4,000

 TEXAS INSTRUMENTS                    882508104        24        500 SH              X   X                 500

 TIME WARNER INC                      887315109       584      7,460 SH          X                       7,460

 TIME WARNER INC                      887315109        81      1,030 SH              X   X                 830        200

 TOSCO CORP                           891490302       409     13,100 SH          X                      13,100
 COM NEW
 TYCO INTL LTD (NEW)                  902124106     3,826     73,756 SH          X                      71,138                 2,618

 TYCO INTL LTD (NEW)                  902124106     1,056     20,366 SH              X   X              20,116        250

 ULTRAMAR DIAMOND SHAMROCK            904000106       510     20,100 SH          X                      20,100

 ULTRAMAR DIAMOND SHAMROCK            904000106         3        100 SH              X   X                 100

                                               ----------
          PAGE TOTAL                               21,911
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   21
                                                                    AS OF 09/30/00
 - - - - - 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)
 UNITED TECHNOLOGIES                  913017109     1,381     19,909 SH          X                      19,909

 UNITED TECHNOLOGIES                  913017109        14        200 SH              X   X                            200

 VANGUARD INTRMD BD INDX FD (314) *   921937306       136     14,027 SH          X                      14,027

 VANG INSD INTERM TAX EX FD (100)*    922021308       792     73,558 SH          X                      73,558

 VANG INSD INTERM TAX EX FD (100)*    922021308       527     48,941 SH              X   X              48,941

 VANGUARD LONG-TERM CORP FUND (28) *  922031109       164     19,998 SH          X                      19,998

 VANGUARD HIGH YIELD CORP FD (29) *   922031208        71     10,115 SH          X                      10,115

 VANGUARD GNMA FUND (36) *            922031307       103     10,191 SH          X                      10,191

 VANGUARD FXD INC S/T CORP (39) *     922031406       178     16,882 SH          X                      16,882

 VANGUARD FXD INC S/T CORP (39) *     922031406        37      3,459 SH              X   X               3,459

 VANG INTERM TERM TREASURY FD (35)*   922031802     1,836    175,820 SH          X                     175,820

 VANG INTERM TERM CORP FD (71)*       922031885       913     98,320 SH          X                      98,320

 VANG PA INSD L/T TAX-EXEMPT (77) *   92204L104       184     16,956 SH          X                      16,956

 VANG PA INSD L/T TAX-EXEMPT (77) *   92204L104       156     14,433 SH              X   X              14,433

 VANGU MUNI BD FD INTERM PORT (42) *  922907209       611     47,004 SH          X                      47,004

 VERIZON COMMUNICATIONS               92343V104     6,452    133,204 SH          X                     128,928                 4,276
 COM
 VERIZON COMMUNICATIONS               92343V104     2,152     44,421 SH              X   X              43,201      1,220
 COM
 VIACOM INC                           925524100       200      3,411 SH          X                       3,411
 CL A
 VIACOM INC                           925524100        18        300 SH              X   X                 300
 CL A
 VIACOM INC CL B COM                  925524308       220      3,767 SH          X                       3,767

 VIACOM INC CL B COM                  925524308        35        605 SH              X   X                 605

 VISTEON CORP COM                     92839U107       948     62,684 SH          X                      62,423                   261

 VISTEON CORP COM                     92839U107         8        556 SH              X   X                 556

 VODAFONE GROUP PLC NEW               92857W100       518     14,009 SH          X                      14,009
 ADR SPONSORED
 VODAFONE GROUP PLC NEW               92857W100       222      6,010 SH              X   X               5,710        300
 ADR SPONSORED
                                               ----------
          PAGE TOTAL                               17,876
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   22
                                                                    AS OF 09/30/00
 - - - - - 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)
 WAL-MART STORES INC                  931142103     3,234     67,191 SH          X                      66,966                   225

 WAL-MART STORES INC                  931142103       446      9,275 SH              X   X               8,575        700

 WALGREEN CO                          931422109       288      7,600 SH          X                       7,600

 WATSON PHARMACEUTICALS INC COM       942683103       267      4,100 SH          X                       4,100

 WATSON PHARMACEUTICALS INC COM       942683103        52        800 SH              X   X                 800

 WELLPOINT HEALTH NTWRKS NEW          94973H108       682      7,100 SH          X                       7,100
 COM
 WELLS FARGO & CO (NEW) COM           949746101       593     12,910 SH          X                      12,910

 WELLS FARGO & CO (NEW) COM           949746101       181      3,950 SH              X   X               3,950

 WEYERHAEUSER CO                      962166104       308      7,600 SH          X                       7,600

 WEYERHAEUSER CO                      962166104         8        200 SH              X   X                 200

 WILLIAMS COS INC                     969457100       240      5,674 SH          X                       5,324        350

 WILLIAMS COS INC                     969457100        20        474 SH              X   X                 474

 WORLDCOM INC GA NEW                  98157D106     3,199    105,324 SH          X                     104,324        400        600
 COM
 WORLDCOM INC GA NEW                  98157D106       472     15,541 SH              X   X              14,216      1,325
 COM
 XILINX INC                           983919101       798      9,318 SH          X                       9,318
 COM
 XILINX INC                           983919101         4         50 SH              X   X                  50
 COM
 XEROX CORPORATION                    984121103       391     26,050 SH          X                      26,050

 XEROX CORPORATION                    984121103        11        700 SH              X   X                 700

 ZIONS BANCORPORATION                 989701107       696     13,600 SH          X                      11,800                 1,800
 COM
 ZIONS BANCORPORATION                 989701107        31        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       251          2 SH              X   X                   2

 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

                                               ----------
          PAGE TOTAL                               20,328
REPORT PTR289  1A FULTON FINANCIAL ADVISORS, N.A.   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/03/00           PAGE   23
                                                                    AS OF 09/30/00
 - - - - - 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)
 HORST HOTELS CLASS B                 999999840       218      7,399 SH              X   X               7,399

                                               ----------
          PAGE TOTAL                                  218
         FINAL TOTALS                             496,616


</TABLE>


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