<PAGE>

                                                                     EXHIBIT 4.2

                  FIRST AMENDMENT TO REVOLVING CREDIT AGREEMENT

          THIS FIRST AMENDMENT TO REVOLVING CREDIT AGREEMENT (this "Amendment")
dated as of August 31, 2005, by and between FULTON FINANCIAL CORPORATION, a
Pennsylvania corporation, as Borrower, and SUNTRUST BANK, a Georgia banking
corporation, as Lender.

                                   WITNESSETH:

          WHEREAS, Borrower executed and delivered to Lender a Revolving Credit
Agreement (the "Agreement") dated July 12, 2004 establishing a $50,000,000 two
year revolving credit facility (as amended or modified from time to time, the
"Credit Agreement"; capitalized terms used in this Amendment without definition
that are defined in the Credit Agreement shall have the meanings in this
Amendment as specified for such capitalized terms in the Credit Agreement);

          WHEREAS, Borrower and Lender have agreed to amend the Credit Agreement
in certain respects as set forth in this Amendment;

          NOW, THEREFORE, for and in consideration of the mutual covenants
contained herein and other valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the parties hereto, intending to be legally
bound, agree as follows:

          SECTION 1. AMENDMENTS TO CREDIT AGREEMENT. Subject to the satisfaction
of the conditions precedent set forth in Section 2 hereof, and effective as of
the Effective Date (as hereinafter defined), the Credit Agreement is hereby
amended as follows:

     (a) Schedule 7.1 of the Credit Agreement is hereby amended as of the
Closing Date by deleting it in its entirety and replacing it with Schedule 7.1
attached hereto.

     (b) Section 1.1 of the Credit Agreement is hereby amended by deleting the
defined term "Applicable Margin" and substituting in lieu thereof the following:

          "APPLICABLE MARGIN" shall mean, as of any date, with respect to all
          Eurodollar Loans outstanding on any date during the Availability
          Period, the applicable percentage per annum set forth below, based
          upon the debt ratings by S&P, Moody's and Fitch of the Borrower (as
          more particularly described below) applicable on such date:

<TABLE>
<CAPTION>
  RATING CATEGORY
 S&P/MOODY'S/FITCH    APPLICABLE MARGIN
 -----------------    -----------------
<S>                   <C>
> or = A+/A1/A+              0.27%
A2/A2/A                      0.35%
</TABLE>


                                       -1-

<PAGE>

<TABLE>
<S>                   <C>
A-/A3/A-                   0.425%
BBB+/Baa1/BBB+              0.50%
< or = BBB/Baa2/BBB         0.60%
</TABLE>

          The Applicable Margin will be based on the two highest ratings from
          S&P, Moody's and Fitch. If the two highest ratings are split by one
          (1) level, then the Applicable Margin will be based on the lower of
          the two ratings. If the two highest ratings are split by more than one
          (1) level, the Applicable Percentage will be based on the lowest of
          the three ratings. A change in the Applicable Margin resulting from a
          change in the debt ratings shall be effective as of the date on which
          it is first announced by the applicable rating agency. Each change in
          the Applicable Margin shall apply during the period commencing on the
          effective date of such change and ending on the date immediately
          preceding the effective date of the next such change. If the rating
          system of a rating agency shall change or if any two of the three
          rating agencies shall cease to be in the business of rating corporate
          debt obligations of the Borrower, the Borrower and the Lender shall
          negotiate in good faith to amend this definition to reflect such
          changed rating system or the non-availability of debt ratings from
          such rating agencies, and pending the effectiveness of any such
          amendment, the Applicable Margin shall be determined by reference to
          the lowest debt rating of the remaining rating agency or agencies;
          provided, that if the Borrower and the Lender have not agreed upon an
          amendment within ninety (90) days after such change, the Applicable
          Margin shall become 0.60% per annum from such date until an amendment
          in a form satisfactory to the Lender has been executed. The debt
          ratings to be utilized for purposes of determining the Applicable
          Margin are those assigned to the senior, unsecured long-term debt
          securities of the Borrower without third-party enhancement, whether or
          not any such debt securities are actually outstanding, and any debt
          rating assigned to any other debt security of the Borrower shall be
          disregarded.

     (c) Section 1.1 of the Credit Agreement is hereby amended by deleting the
defined term "Applicable Percentage" and substituting in lieu thereof the
following:

          "APPLICABLE PERCENTAGE" as of any date, with respect to the facility
          fee, the percentage per annum determined by reference to the
          applicable rating category as set forth below, based upon the debt
          ratings by S&P, Moody's and Fitch of the Borrower (as more
          particularly described below) applicable on such date:

<TABLE>
<CAPTION>
  RATING CATEGORY
 S&P/MOODY'S/FITCH    APPLICABLE PERCENTAGE
 -----------------    ---------------------
<S>                   <C>
> or = A+/A1/A+                0.08%
A2/A2/A                        0.10%
A-/A3/A-                      0.125%
BBB+/Baa1/BBB+                 0.15%
< or = BBB/Baa2/BBB            0.15%
</TABLE>


                                       -2-

<PAGE>

          The Applicable Percentage will be based on the two highest ratings
          from S&P, Moody's and Fitch. If the two highest ratings are split by
          one (1) level, then the Applicable Margin will be based on the lower
          of the two ratings. If the two highest ratings are split by more than
          one (1) level, the Applicable Percentage will be based on the lowest
          of the three ratings. A change in the Applicable Percentage resulting
          from a change in the debt ratings shall be effective as of the date on
          which it is first announced by the applicable rating agency. Each
          change in the Applicable Percentage shall apply during the period
          commencing on the effective date of such change and ending on the date
          immediately preceding the effective date of the next such change. If
          the rating system of a rating agency shall change or if any two of the
          three rating agencies shall cease to be in the business of rating
          corporate debt obligations of the Borrower, the Borrower and the
          Lender shall negotiate in good faith to amend this definition to
          reflect such changed rating system or the non-availability of debt
          ratings from such rating agencies, and pending the effectiveness of
          any such amendment, the Applicable Percentage shall be determined by
          reference to the lowest debt rating of the remaining rating agency or
          agencies; provided, that if the Borrower and the Lender have not
          agreed upon an amendment within ninety (90) days after such change,
          the Applicable Percentage shall become 0.15% per annum from such date
          until an amendment in a form satisfactory to the Lender has been
          executed. The debt ratings to be utilized for purposes of determining
          the Applicable Percentage are those assigned to the senior, unsecured
          long-term debt securities of the Borrower without third-party
          enhancement, whether or not any such debt securities are actually
          outstanding, and any debt rating assigned to any other debt security
          of the Borrower shall be disregarded.

     (d) Section 1.1 of the Credit Agreement is hereby amended by deleting the
defined term "Commitment Termination Date" and substituting in lieu thereof the
following:

          "COMMITMENT TERMINATION DATE" shall mean the earliest of (i) September
          30, 2007, (ii) the date on which the Revolving Commitment is
          terminated pursuant to Section 2.3 and (iii) the date on which all
          amounts outstanding under this Agreement have been declared or have
          automatically become due and payable (whether by acceleration or
          otherwise).

     (e) Section 1.1 of the Credit Agreement is hereby amended by adding the
following definitions thereto in the appropriate alphabetical order:

          "FITCH" shall mean Fitch, Inc., and its successors.

          "S&P" shall mean Standard & Poor's, a division of the McGraw-Hill
          Companies, Inc., and its successors.

     (f) Section 2.3(a) of the Credit Agreement is hereby amended by deleting
the first sentence thereof and substituting in lieu thereof the following:


                                       -3-

<PAGE>

          Upon the request of the Borrower at any time prior to September 30,
          2007, and in the sole discretion of the Lender, the Revolving
          Commitment may be increased up to $100,000,000.

     (g) Section 2.6(a) of the Credit Agreement is hereby amended by deleting
such section in its entirety and substituting in lieu thereof the following:

          (a)  The Borrower agrees to pay to the Lender a facility fee, which
               shall accrue at the Applicable Percentage (calculated on the
               basis of a 360-day year for the actual number of days
               outstanding) on the Revolving Commitment, payable in arrears on
               the last Business Day of each March, June, September, and
               December of each year and on the Commitment Termination Date;
               provided, that if the Lender continues to have any Revolving
               Loans outstanding after the Commitment Termination Date, then the
               facility fee shall continue to accrue on the daily amount of such
               outstanding Revolving Loans from and after the Commitment
               Termination Date to the date that all of the Lender's outstanding
               Revolving Loans have been paid in full; provided further, that
               any facility fees accruing after the Commitment Termination Date
               shall be payable on demand. A change in the facility fee
               resulting from a change in the debt ratings shall be effective as
               of the date on which it is first announced by the applicable
               rating agency.

     (h) Section 7.1 of the Credit Agreement is hereby amended by deleting the
word "and" at the end of clause (c), by deleting the period at the end of clause
(d) and replacing such period with a semicolon, and by adding the following new
clauses (e), (f) and (g):

          (e)  (i) Indebtedness owed by the Borrower or any Affiliate of the
               Borrower (as defined in Regulation W of the FRB and sections 23A
               and 23B of the Federal Reserve Act) to any Financial Institution
               Subsidiary not in violation of Regulation W of the FRB (as
               amended, supplemented or otherwise modified), or (ii)
               Indebtedness owed by any Subsidiary to the Borrower or (iii)
               Indebtedness owed by the Borrower or any Subsidiary to a
               Subsidiary other than a Financial Institution Subsidiary;
               provided, that such Indebtedness is subordinated to the
               Indebtedness under this Agreement on the following terms: (i) no
               part of the principal of such Indebtedness is stated to be
               payable or is required to be paid (whether by way of mandatory
               sinking fund, mandatory redemption, mandatory prepayment or
               otherwise) prior to the Commitment Termination Date and the
               payment of principal of which, and any other obligations of the
               Borrower with respect thereof, are subordinated to the prior
               payment in full of principal and interest (including
               post-petition interest) and all other obligations and amounts of
               the Borrower to the Lender hereunder, and (ii) no part of the
               interest accruing on such Indebtedness is payable, without the
               prior written consent of the Lender, after a Default or Event of
               Default has occurred and is continuing;


                                       -4-

<PAGE>

          (f)  Indebtedness consisting of Commercial Paper. "COMMERCIAL PAPER"
               as used herein shall mean any certificated or uncertificated
               security issued by the Borrower to a customer of a Financial
               Institution Subsidiary maintaining a demand deposit or other type
               of account with such Financial Institution Subsidiary that is
               purchased by such customer from the Borrower, provided, that any
               such Commercial Paper shall be offset on a 1:1 basis with cash
               deposits or advances by Borrower in or to such Financial
               Institution Subsidiary; and

          (g)  Indebtedness created, incurred, assumed or existing as a result
               of any merger with, or acquisition of, any other Person;
               provided, that immediately after giving effect to such merger or
               acquisition and the creating, incurring, assumption or existence
               of such Indebtedness, no Default or Event of Default shall have
               occurred and be continuing; and provided further, that such
               Indebtedness is subordinated to the Indebtedness under this
               Agreement on the terms set forth in clauses (d)(i) and (ii) of
               this Section, except that the prior approval of the Lender shall
               not be required.

          SECTION 2. CONDITIONS TO EFFECTIVENESS OF AMENDMENT. This Amendment
shall become effective on (the "Effective Date") the later to occur of (x)
August 31, 2005, and (y) the first day when the Lender shall have received
counterparts of this Amendment as executed on behalf of Borrower and the Lender.

          SECTION 3. STATUS OF OBLIGATIONS. Borrower hereby confirms and agrees
that all Revolving Loans and all other Obligations outstanding under the Credit
Agreement and the other Loan Documents as of the date hereof were duly and
validly created and incurred by Borrower thereunder, that all such outstanding
amounts are owed in accordance with the terms of the Credit Agreement and other
Loan Documents, and that there are no rights of offset, defense, counterclaim,
claim or objection in favor of Borrower arising out of or with respect to any of
the Loans or other Obligations of Borrower to the Lender, and any such rights of
offset, defense, counterclaim, claims or objections have been and are hereby
waived and released by Borrower.

          SECTION 4. REPRESENTATIONS AND WARRANTIES OF BORROWER. Borrower,
without limiting the representations and warranties provided in the Credit
Agreement, represents and warrants to the Lender as follows:

          4.1 The execution, delivery and performance by Borrower of this
Amendment are within Borrower's corporate powers, have been duly authorized by
all necessary corporate action (including any necessary shareholder action) and
do not and will not (a) violate any provision of any law, rule or regulation,
any judgment, order or ruling of any court or governmental agency, the
certificate of incorporation or by-laws of Borrower, or any indenture, agreement
or other instrument to which Borrower is a party or by which Borrower or any of
its properties is bound or (b) be in conflict with, result in a breach of, or
constitute with notice or lapse of time or both a default under any such
indenture, agreement or other instrument.


                                       -5-

<PAGE>

          4.2 This Amendment constitutes the legal, valid and binding obligation
of Borrower, enforceable against Borrower in accordance with its terms.

          4.3 After giving effect to this Amendment, no Default or Event of
Default has occurred and is continuing.

          4.4 The representations and warranties of Borrower contained in the
Credit Agreement are true and accurate on and as of the date of this Amendment,
except for changes expressly permitted under the terms of the Credit Agreement
and except to the extent that such representations and warranties relate solely
to an earlier date (in which case such representations and warranties were true
and accurate as of such earlier date).

          4.5 Since March 31, 2005, there have been no events, acts, conditions
or occurrences of whatever nature, singly or in the aggregate, which have had,
or could reasonably be expected to have, a Material Adverse Effect.

          SECTION 5. SURVIVAL. Each of the foregoing representations and
warranties shall be made at and as of the date of this Amendment and shall be
deemed to have been made as of the date hereof. Each of the foregoing
representations and warranties shall constitute a representation and warranty of
Borrower under the Credit Agreement, and it shall be an Event of Default if any
such representation and warranty shall prove to have been incorrect or false in
any material respect at the time when made or deemed to have been made. Each of
the foregoing representations and warranties shall survive and not be waived by
the execution and delivery of this Amendment or any investigation by the Lender.

          SECTION 6. RATIFICATION OF CREDIT AGREEMENT AND LOAN DOCUMENTS. Except
as expressly amended herein, all terms, covenants and conditions of the Credit
Agreement and the other Loan Documents shall remain in full force and effect,
and the parties hereto do expressly ratify and confirm the Credit Agreement (as
amended herein) and the other Loan Documents. All future references to the
Credit Agreement shall be deemed to refer to the Credit Agreement as amended
hereby.

          SECTION 7. INDEMNITY. In consideration of the amendments agreed to by
the Lender pursuant to this Amendment, Borrower hereby indemnifies the Lender,
and its respective officers, partners, directors, employees, representatives and
agents from, and hold each of them harmless against, any and all costs, losses,
liabilities, claims, damages or expenses incurred by any of them (whether or not
any of them is designated a party thereto) (an "Indemnitee") arising out of or
by reason of any investigation, litigation or other proceeding related to this
Amendment, the Credit Agreement or any other Loan Documents or any actual or
proposed use of the proceeds of any of the Revolving Loans, including, without
limitation, the reasonable fees and disbursements of counsel incurred in
connection with any such investigation, litigation or other proceeding;
provided, however, Borrower shall not be obligated to indemnify any Indemnitee
for any of the foregoing arising out of such Indemnitee's gross negligence or
willful misconduct.

          SECTION 8. NO WAIVER, ETC. Borrower hereby agrees that nothing herein
shall constitute a waiver by the Lender of any Default or Event of Default,
whether known or unknown, which may exist under the Credit Agreement. Borrower
hereby further agrees that no


                                       -6-

<PAGE>

action, inaction or agreement by the Lender, including without limitation, any
indulgence, waiver, consent or agreement altering the provisions of the Credit
Agreement which may have occurred with respect to the non-performance of any
obligation under the terms of the Credit Agreement or any portion thereof, or
any other matter relating to the Credit Agreement, shall require or imply any
future indulgence, waiver, or agreement by the Lender.

          SECTION 9. BINDING NATURE. This Amendment shall be binding upon and
inure to the benefit of the parties hereto, their respective successors,
successors-in-titles, and assigns.

          SECTION 10. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF GEORGIA.

          SECTION 11. ENTIRE UNDERSTANDING. This Amendment sets forth the entire
understanding of the parties with respect to the matters set forth herein, and
shall supersede any prior negotiations or agreements, whether written or oral,
with respect thereto.

          SECTION 12. COUNTERPARTS. This Amendment may be executed in any number
of counterparts and by the different parties hereto in separate counterparts and
may be delivered by telecopier. Each counterpart so executed and delivered shall
be deemed an original and all of which taken together shall constitute but one
and the same instrument.

                  [remainder of page intentionally left blank]


                                       -7-

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be duly executed and delivered in Atlanta, Georgia, by their duly authorized
officers as of the day and year first above written.

                                        FULTON FINANCIAL CORPORATION


                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------


                                        SUNTRUST BANK,


                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------


                                       -8-

<PAGE>

                                  SCHEDULE 7.1

<TABLE>
<CAPTION>
                              DESCRIPTION                                  BALANCE
                              -----------                                ----------
<S>                                                                      <C>
Treasury Tax and Loan Note                                                5,039,432

Capital Leases                                                              225,000

Trust Preferred Securities (net of unamortized issuance costs)           38,980,727

Fulton Financial Corporation's inter-company line of Credit commitment   72,000,000
</TABLE>

This schedule excludes FHLB advances, federal funds purchased and customer
repos.


                                       -9-