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, 2004

                                       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
                        -------

A.    Full Title of Plan: Thrift Savings Plan

B.    Name of issuer of the securities held pursuant to the plan and the address
      of its principal executive office:

                      Wilmington Trust Corporation
                      Rodney Square North
                      1100 North Market Street
                      Wilmington, DE  19890



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 and equity
      securities. As of December 31, 2004, the names and addresses of those
      funds are the following:

                      Fidelity Advisor Equity Growth (T) Separate Account
                      Fidelity Advisor Diversified International Multi-Mgr I
                      Principal Large Cap Stock Index Separate Account
                      Vanguard Windsor II Fund
                      American Century Small Company Investment Fund
                      Principal Financial Group
                      710 9th Street
                      Des Moines, IA 50309

                      The Wilmington Large Cap Growth Portfolio
                      The Wilmington Large Cap Value Portfolio
                      The Wilmington Large Cap Core Portfolio
                      The Wilmington Small Cap Core Portfolio
                      The Wilmington International Multi-Manager Portfolio
                      The Wilmington Broad Market Bond Portfolio
                      The Wilmington Large Cap Strategic Allocation Fund
                      The Wilmington Mid Cap Strategic Allocation Fund
                      The Wilmington Small Cap Strategic Allocation Fund
                      The Wilmington Real Estate Portfolio
                      The Stable Value Fund
                      The Wilmington Trust Corporation Stock Fund
                      Rodney Square North
                      1100 North Market Street
                      Wilmington, DE 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 29, 2005, 180 days
      after the end of the plan's fiscal year.



                                   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, 2005.

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

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

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

                                      /s/ I. Gail Howard         (SEAL)
                                      ---------------------------
                                      I. Gail Howard

                                      /s/ Gerald F. Sopp         (SEAL)
                                      ---------------------------
                                      Gerald F. Sopp