WILMINGTON TRUST CORP
11-K, 1998-03-26
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


- --------------------------------------------------------------------------------


                                    FORM 11-K


      [X]         ANNUAL REPORT OF EMPLOYEE STOCK PURCHASE,
                      SAVINGS AND SIMILAR PLANS PURSUANT TO
                  SECTION 15(D) OF THE SECURITIES EXCHANGE
                              ACT OF 1934

- --------------------------------------------------------------------------------


                 For the Fiscal year Ended December 31, 1997

                         Commission file number: 0-25442


                          WILMINGTON TRUST CORPORATION
             (Exact name of registrant as specified in its charter)


                                    Delaware
- --------------------------------------------------------------------------------
            (State or jurisdiction of incorporation or organization)


                                   51-0328154
- --------------------------------------------------------------------------------
                      (I.R.S. Employer Identification No.)


                  Rodney Square North, 1100 North Market Street
                            Wilmington, DE 19890-0001
- --------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)

                                 (302) 651-1000
- --------------------------------------------------------------------------------
              (Registrant's telephone number, including area code)


                               Thrift Savings Plan
                              (Full title of plan)


<PAGE>




1.    The Thrift  Savings Plan affords staff members the  opportunity to acquire
      from time to time shares of Wilmington Trust Corporation's  stock, as well
      as interests in funds which purchase a variety of investments from time to
      time and which may change from time to time.  These include  United States
      Treasury  notes,  debt  instruments  and  stocks  of new  and  established
      companies.  A list of the names and  addresses of those funds is set forth
      on Schedule A attached hereto and made a part hereof.

2.    The financial statements required to be filed for the Thrift Savings Plan,
      which qualifies under the Employee Retirement Income Security Act of 1974,
      will be filed as an amendment to this Form 11-K by June 29, 1998, 180 days
      after the end of that plan's fiscal year.





































<PAGE>




                                   SIGNATURES


      Pursuant to the  requirements of the Securities  Exchange Act of 1934, the
following individuals,  who administer the Thrift Savings Plan, have signed this
Form 11-K as of March 19, 1998.



                                 /s/ David R. Gibson                      (SEAL)
                                 -----------------------------------------
                                 David R. Gibson, Chairman



                                 /s/ Robert J. Christian                  (SEAL)
                                 -----------------------------------------
                                 Robert J. Christian



                                 /s/ Howard K. Cohen                      (SEAL)
                                 -----------------------------------------
                                 Howard K. Cohen



                                 /s/ Thomas P. Collins                    (SEAL)
                                 -----------------------------------------
                                 Thomas P. Collins


                                 /s/ Michael A. DiGregorio                (SEAL)
                                 -----------------------------------------
                                 Michael A. DiGregorio



                                 /s/ William J. Farrell, II               (SEAL)
                                 -----------------------------------------
                                 William J. Farrell, II



                                 /s/ Joseph M. Jacobs, Jr.                (SEAL)
                                 -----------------------------------------
                                 Joseph M. Jacobs, Jr.



                                 /s/ John H. Kipp                         (SEAL)
                                 -----------------------------------------
                                 John H. Kipp



                                 /s/ P. M. Snyder, Jr.                    (SEAL)
                                 -----------------------------------------
                                 P. M. Snyder, Jr.


                                      -2-
<PAGE>



1.    Bond Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

2.    Value Equity Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

3.    Growth Equity Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

4.    International Equity Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

5.    Small Cap Equity Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

6.    Bank Stock Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

7.    Money Market Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001

8.    Short-Term U.S. Government Fund
      Wilmington Trust Company
      Rodney Square North
      1100 North Market Street
      Wilmington, DE  19890-0001



                                   SCHEDULE A
<PAGE>


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