WILMINGTON TRUST CORP
11-K/A, 2000-06-28
STATE COMMERCIAL BANKS
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<PAGE>   1
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549




                                   FORM 11-K/A


         [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 as of December 31,
         1999 are The Wilmington Funds, Rodney Square North, 1100 North Market
         Street, Wilmington, Delaware 19890.

2.                (a)      The written consent of the accountant with respect to
                           the financial statements for the Thrift Savings Plan
                           is attached hereto as Exhibit 23.

                  (b)      The financial statements required to be filed for the
                           Thrift Savings Plan, which qualifies under the
                           Employee Retirement Income Security Act of 1974
                           ("ERISA"), are attached hereto as Exhibit 99.1.

                                      -1-
<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/A as of June 26, 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

                                      -2-
<PAGE>   4
                                  EXHIBIT INDEX


<TABLE>
<CAPTION>
     EXHIBIT                 EXHIBIT                                   PAGE NUMBER
     -------                 -------                                   -----------
<S>                      <C>                                           <C>
       23                Consent of independent auditor                    4

       99.1              Financial statements                              7
</TABLE>

                                      -3-


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