APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT: By the Secretary of the Board.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT

By the Secretary of the Board

Recent applications have been approved by the Secretary of the Board
as listed below. Copies are available upon request to the Freedom of
Information Office, Office of the Secretary, Board of Governors of
the Federal Reserve System, Washington, D.C. 20551.

Section 3

Applicant(s)                    Bank(s)                 Effective Date

Fulton Financial Corporation,   Skylands Financial      June 29, 2000
  Lancaster, Pennsylvania         Corporation,
                                  Hackettstown,
                                  New Jersey
                                Skylands Community
                                  Bank, Hackettstown,
                                  New Jersey