<PAGE>
Exhibit 99.1
SKYLANDS FINANCIAL CORPORATION
THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
Proxy for Annual Meeting of Stockholders, July 17, 2000
The undersigned hereby appoints Michael Halpin and Denis H. O'Rourke, and
each of them, as proxies, with full power of substitution, to vote the shares of
Common Stock of the Corporation which the undersigned is entitled to vote at the
Annual Meeting of Stockholders of Skylands Financial Corporation, to be held on
July 17 at 6:00 p.m., New York City time, at Panther Valley Golf and Country
Club, Route 517, Allamuchy Township, New Jersey, and at any adjournments
thereof.
(1) Election of the directors marked by a "*" to serve for the ensuing year and
until their successors are elected and qualified, the directors marked by a
"**" to serve until the annual meeting to be held in 2002 and until their
successors are elected and qualified, and the directors marked by a "***"
to serve until the annual meeting to be held in 2003 and until their
successors are elected and qualified.
Nominees: Norman S. Baron**, James L. Cochran**, Daniel M. DiCarlo, Jr.*,
Michael Halpin***, Ralph C. Knechel**, J. William Noeltner***, Denis H.
O'Rourke***, Paul J. Pinizzotto**, Dominick V. Romano***, Mark F. Strauss*,
Norman Worth*.
( ) VOTE FOR all nominees listed above, except authority to vote withheld
for the following nominees (to withhold authority to vote for any of
the above nominees, print the name of the nominee(s) on the lines
below).
_________________________________________________________________
_________________________________________________________________
( ) AUTHORITY TO VOTE WITHHELD for all nominees.
(2) Proposal to approve and adopt the Agreement and Plan of Merger dated
February 23, 2000, as amended and restated as of May 1, 2000, between
Fulton Financial Corporation and Skylands Financial Corporation, which
provides, among other things, for the merger of Skylands with and into
Fulton Financial and the conversion of each share of common stock of
Skylands outstanding immediately prior to the merger into .819 shares of
Fulton Financial common stock, plus cash in lieu of any fractional share
interest.
( ) VOTE FOR proposal to approve and adopt the Agreement and Plan of
Merger.
( ) VOTE AGAINST proposal to approve and adopt the Agreement and Plan of
Merger.
( ) ABSTAIN.
<PAGE>
(3) Proposal to adjourn the annual meeting, if necessary, to permit further
solicitation of proxies in the event there are not sufficient votes at the
time of the annual meeting to approve and adopt the Agreement and Plan of
Merger.
( ) VOTE FOR proposal to adjourn the annual meeting.
( ) VOTE AGAINST proposal to adjourn the annual meeting.
( ) ABSTAIN.
(4) In the discretion of such proxies, upon all other matters which may
properly come before the annual meeting, or any adjournments thereof.
THE SHARES COVERED BY THIS PROXY WILL BE VOTED IN ACCORDANCE WITH THE
INTENT OF THE PROXIES AS SET FORTH IN THE PROXY STATEMENT UNLESS DIRECTIONS TO
THE CONTRARY ARE INDICATED ON THE REVERSE SIDE HEREOF.
The undersigned hereby acknowledges receipt of the Notice of Annual Meeting
of Stockholders and the proxy statement/prospectus furnished herewith, each
dated June 12, 2000.
--------------------------------------------------------------
PLEASE MARK, SIGN, DATE AND RETURN THE PROXY CARD
PROMPTLY USING THE ENCLOSED ENVELOPE
--------------------------------------------------------------
Dated: ___________________, 2000
________________________________
________________________________
Please sign proxy as your name
appears hereon