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Exhibit 23.2
CONSENT OF FINANCIAL ADVISOR
We hereby consent to the inclusion of the Opinion of McConnell, Budd &
Downes, Inc. as Exhibit C to the Form S-4 Registration Statement of Fulton
Financial Corporation and Skylands Financial Corporation to be filed with the
Securities and Exchange Commission in connection with the proposed merger of
Skylands with and into Fulton and to the references to the work completed by our
firm as financial advisor to Skylands in the text of the related Proxy
Statement/Prospectus. In giving such consent, we do not thereby admit that we
come within the category of persons whose consent is required under Section 7 of
the Securities Act of 1933 or the rules and regulations of the Securities and
Exchange Commission thereunder, nor do we thereby admit that we are experts with
respect to any part of such Registration Statement within the meaning of the
term "expert" as used in the Securities Act of 1933 as amended, or the rules and
regulations of the Securities and Exchange Commission thereunder.
/s/ McConnell, Budd & Downes, Inc.
June 8, 2000
