WILMINGTON TRUST CORP
11-K, 2000-03-28
STATE COMMERCIAL BANKS
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<PAGE>   1
                                 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, 1999

                                       OR

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

               FOR THE TRANSITION PERIOD FROM              TO

                        COMMISSION FILE NUMBER: 1-14659

                          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>   2
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. The names and addresses of
     those funds are The Wilmington Funds, Rodney Square North, 1100 North
     Market Street, Wilmington, Delaware 19890.

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 28, 2000, 180 days
     after the end of the plan's fiscal year.
<PAGE>   3
                                   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 16, 2000.

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

                                        /s/ E. Matthew Brown              (SEAL)
                                        ----------------------------------
                                        E. Matthew Brown

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

                                      -3-


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