WILMINGTON TRUST CORP
11-K, 1999-03-26
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

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

                                    FORM 11-K


      [X]   ANNUAL REPORT PURSUANT TO
            SECTION 15(D) OF THE SECURITIES EXCHANGE
                        ACT OF 1934


                  FOR THE FISCAL YEAR ENDED DECEMBER 31, 1998

                                       OR

      [ ]   TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES
            EXCHANGE ACT OF 1934

                FOR THE TRANSITION PERIOD FROM _____ TO ________

                         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
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                    (Address of Principal Executive Offices)

                                 (302) 651-1000
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              (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  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, 1999, 180 days
      after the end of that plan's fiscal year.


                                     - 2 -
<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 18, 1999.

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


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


                                 /s/ Kermit B. Wooden             (SEAL)
                                 ---------------------------------
                                 Kermit B. Wooden


                                     - 3 -
<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



                                   SCHEDULE A



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