UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
(Mark One)
(X) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year end December 31, 2001
OR
( ) TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED)
For the transition period from ______ to ______
COMMISSION FILE NUMBER 0-10587
FULTON FINANCIAL AFFILIATES'
401(k) SAVINGS PLAN AND TRUST
(Full title of the Plan)
FULTON FINANCIAL CORPORATION
One Penn Square
Lancaster, PA 1702
(Name of issuer of the securities held pursuant to the Plan
and the address of its principal executive office)
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Pursuant to the requirements of the Securities Exchange Act of 1934, the
administrators of the Fulton Financial Affiliates' 401(k) Savings Plan and Trust
have duly caused this annual report to be signed by the undersigned thereunto
duly authorized.
FULTON FINANCIAL AFFILIATES'
401(k) SAVINGS PLAN AND TRUST
By: /s/ James B. Adams
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Date: July 16, 2002
EXHIBIT INDEX
EXHIBIT DESCRIPTION
1 Audited financial statements and supplemental schedule for Fulton Financial
Affiliates' 401(k) Plan and Trust
2 Consent of Independent Auditors
EXHIBIT 1
AUDITED FINANCIAL STATEMENTS AND SUPPLEMENTAL SCHEDULE
FULTON FINANCIAL AFFILIATES'
401(k) SAVINGS PLAN AND TRUST
FINANCIAL REPORT
DECEMBER 31, 2001
C O N T E N T S
Page
Financial Report
A. Independent Auditor's Report 1
B. Statements of Net Assets Available for Plan Benefits 2
C. Statements of Changes in Net Assets Available for Plan Benefits 3
D. Notes to Financial Statements 4 - 9
E. Supplemental Schedule of Assets Held for Investment Purposes 10
F. Supplemental Schedule of Reportable Transactions 11
Financial Report