UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-K

(Mark One)
               ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
 (X)                      SECURITIES EXCHANGE ACT OF 1934
                   For the fiscal year ended December 31, 1999
                                       OR
 ( )        TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

             For the transition period from __________ to __________

                          Commission File Number 0-9756

                          RIGGS NATIONAL CORPORATION
                          --------------------------
             (Exact name of registrant as specified in its charter)


          Delaware                                       52-1217953
          --------                                       ----------
(State or other jurisdiction of                       (I.R.S. Employer
 incorporation or organization)                      Identification No.)


1503 Pennsylvania Avenue, N.W., Washington, D.C.            20005
------------------------------------------------            -----
  (Address of principal executive offices)                (Zip Code)

                               (301) 887-6000
                               --------------
              (Registrant's telephone number, including area code)

           Securities Registered Pursuant to Section 12(b) of the Act:

    Title of Each Class              Name of each exchange on which registered
    -------------------              -----------------------------------------
         None                                         None

           Securities Registered Pursuant to Section 12(g) of the Act:

    Title of Each Class              Name of each exchange on which registered
    -------------------              -----------------------------------------
  Common Stock, par value                     The NASDAQ Stock Market
      $2.50 per share


  Indicate by check mark whether the  registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the  preceding  12 months (or for  shorter  period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes X. No. _.

  Indicate by check mark if disclosure of  delinquent  filers  pursuant to Item
405 of  Regulation  S-K is not  contained  herein,  and  will not be contained,
to the best of registrant's  knowledge, in definitive proxy or information
statements  incorporated by reference in Part III of this Form 10-K or any
amendments to this Form 10-K. [X ]

  The  aggregate  market value of the  Corporation's  voting stock held by
non-affiliates   of  the   registrant   as  of  February  29,  2000,   was
$183,899,130.

  The number of shares outstanding of the registrant's common stock, as of
February 29, 2000, was 28,316,197.

                       DOCUMENT INCORPORATED BY REFERENCE

   Portions of Riggs  National  Corporation's  definitive  Proxy  Statement
dated March 10, 2000 to  Shareholders  are  incorporated by reference into Part
III of this Form 10-K. Portions of Riggs National  Corporation's 1999 Annual
Report to  Shareholders  mailed  with  such  Proxy  Statement  are incorporated
by reference into Parts I and II of this Form 10-K. With the exception  of the
portions  of the  Proxy  Statement  and  Annual  Report specifically
incorporated  herein by reference,  the Proxy  Statement and Annual Report are
not deemed to be filed as part of this Form 10-K.
<PAGE>

Form
10-K INDEX
                               PART I                                   Page(s)

Item 1--Business                                                          3
Item 2--Properties                                                        4
Item 3--Legal Proceedings                                                 4
Item 4--Submission of Matters to a Vote of Security Holders               4


                               PART II

Item 5--Market for Registrant's Common Equity
            and Related Shareholder Matters                               5
Item 6--Selected Consolidated Financial Data                              5
Item 7--Management's Discussion and Analysis of Financial Condition
            and Results of Operations                                     5
Item 7A--Quantitative & Qualitative Disclosures about Market Risk         5
Item 8--Financial  Statements and  Supplementary  Data                    5
Item 9--Changes in and Disagreements with Accountants on Accounting
            and Financial Disclosure                                      5


                                PART III

Item 10--Directors and Executive Officers of the Registrant               6
Item 11--Executive Compensation                                           8
Item 12--Security Ownership of Certain Beneficial Owners and Management   8
Item 13--Certain Relationships and Related Transactions                   8


                                PART IV

Item 14--Exhibits, Financial Statement Schedules,
            and Reports on Form 8-K                                       8


                                      -2-
<PAGE>

PART I
ITEM 1.

BUSINESS

Riggs National Corporation
Riggs National  Corporation is a bank holding company  registered under the Bank
Holding  Company Act of 1956, as amended (the "BHCA"),  and  incorporated in the
State of Delaware.  Founded in 1980,  we engage in a variety of  banking-related
activities through our bank and non-bank subsidiaries. We currently have banking
operations or separate subsidiaries in the Washington,  D.C., metropolitan area;
New Haven,  Connecticut;  Miami, Florida;  London, England; Berlin, Germany; and
Nassau,  Bahamas.  At  December  31,  1999,  we had 1,589  full-time  equivalent
employees.

Additional  information  concerning our business is incorporated by reference to
pages 69-77, 127-128 and 131-133 of our 1999 Annual Report.

Supervision and Regulation
Our company and Riggs Bank N.A. are subject to the supervision of and regulation
by the Board of Governors of the Federal  Reserve  System (the "Federal  Reserve
Board"). Our national banking subsidiaries and certain of their subsidiaries are
subject to the supervision of and regulation by the Office of the Comptroller of
the Currency  (the  "OCC").  Other  federal,  state and foreign laws govern many
aspects of the businesses of our company and our subsidiaries.

Under the BHCA,  bank holding  companies may not directly or indirectly  acquire
the  ownership  or  control  of five  percent  or more of the  voting  shares or
substantially  all of the assets of any company,  including a bank,  without the
prior approval of the Federal  Reserve Board.  The BHCA also restricts the types
of  businesses  and  activities  in  which  a  bank  holding   company  and  its
subsidiaries  may  engage.  Generally,  activities  are  limited to banking  and
activities  found by the  Federal  Reserve  Board to be so  closely  related  to
banking as to be a proper incident thereto.

We are required to maintain  minimum levels of qualifying  capital under Federal
Reserve  Board  risk-based  capital  guidelines.  For full  discussion  of these
guidelines,  see "Management's  Discussion and Analysis--Capital  Resources" and
"Notes to Consolidated Financial Statements-Note 10."

Under Federal Deposit Insurance Corporation ("FDIC") regulations, the assessment
rate for an insured depository institution varies according to the level of risk
incurred in its activities.  An institution's risk category is based partly upon
whether  the  institution  is  assigned  to one of  the  following  "supervisory
subgroups":   "healthy";  "supervisory  concern";  or  "substantial  supervisory
concern."

The  OCC  must  take  "prompt   corrective  action"  in  respect  of  depository
institutions  that  do not  meet  minimum  capital  requirements.  The  OCC  has
established  levels at which an insured  institution  would be considered  "well
capitalized,""adequately    capitalized,"   "undercapitalized,"   "significantly
undercapitalized," and "critically undercapitalized."

Riggs Bank N.A.  exceeds current minimum  regulatory  capital  requirements  and
qualifies as "well capitalized."  Additional  information concerning our capital
adequacy  can be found on pages 115 and 116 of our 1999 Annual Report,  which is
incorporated herein by reference.

A  depository  institution  may not make  any  capital  distribution  (including
payment of a dividend) or pay any management  fee to its holding  company if the
depository  institution would thereafter be  undercapitalized.  Undercapitalized
depository  institutions  are subject to  increased  regulatory  monitoring  and
growth limitations and are required to submit capital restoration plans.

The  Riegle-Neal  Interstate  Banking and Branching  Efficiency Act of 1994 (the
"Interstate Act"),  authorizes interstate acquisitions of banks and bank holding
companies without geographic  limitation.  In addition,  beginning June 1, 1997,
the  Interstate  Act  authorized a bank to merge with a bank in another state as
long as neither of the states had opted out of interstate  branching between the
date of enactment of the  Interstate  Act and May 31, 1997. A bank may establish
and  operate a de novo  branch in a state in which the bank does not  maintain a
branch  if that  state  expressly  permits  de novo  branching.  Once a bank has
established  branches in a state through an interstate merger  transaction,  the
bank may establish and acquire additional  branches at any location in the state
where  any  bank  involved  in the  interstate  merger  transaction  could  have
established or acquired  branches under applicable  federal or state law. A bank
that has established a branch in a state through de novo branching may establish
and acquire additional branches in such state in the same manner and to the same
extent  as a bank  having a branch in such  state as a result  of an  interstate
merger.  If a state opts out of interstate  branching  within the specified time
period,  no bank in any other  state may  establish  a branch in the  opting out
state, whether through an acquisition or de novo.

Effective  June 1995,  coinciding  with the mandatory  1.25% funding of the Bank
Insurance  Fund ("BIF")  reserve,  insurance  rates were reduced from a range of
$.23 to $.26 per $100 in deposits insured to a range of $.04 to $.07 per $100 in
deposits insured. Further, in November 1995, based on the continuing increase in
reserves with BIF, the FDIC announced an additional reduction of insurance rates
to zero percent,  however, banks must pay a mandatory minimum of $2 thousand per
year.

On  September  30, 1996,  Congress  passed and the  President  signed an omnibus
funding bill which included  legislation for the recapitalization of the Savings
Association  Insurance Fund ("SAIF"),  which is  administered  by the FDIC. This
legislation  included a provision requiring the merger in 1999 of the BIF, which
was also  administered  by the FDIC,  and SAIF  assuming  that bank charters and
thrift charters were combined by that time. The  legislation  provided for a new
Financing  Corporation  ("FICO")  sharing  formula  between  BIF and  SAIF
insured institutions,  which imposes a surcharge of 1.3 cents per one-hundred
dollars of BIF-insured  deposits. We were subject to the FICO surcharge and were
required to pay one-fifth of the rate that  SAIF institutions  pay for three
years, ending in 1999.

                                      -3-
<PAGE>

There  are  legal  restrictions  on the  extent  to  which  we and our  non-bank
subsidiaries  may borrow or otherwise obtain credit from Riggs Bank N.A. Subject
to certain limited exceptions,  a bank subsidiary may not extend credit to us or
to any other  affiliate  (as  defined)  in an amount  which  exceeds  10% of our
capital  stock and surplus and may not extend  credit in the  aggregate  to such
affiliates  in an amount  which  exceeds 20% of its capital  stock and  surplus.
Further,  there are legal  requirements  as to the type,  amount and  quality of
collateral  which must secure such  extensions of credit by each bank subsidiary
to  us  or  to  other  affiliates.  Finally,  extensions  of  credit  and  other
transactions  between a bank subsidiary and our company or other affiliates must
be on terms  and  under  circumstances,  including  credit  standards,  that are
substantially  the same or at least as  favorable to such a bank  subsidiary  as
those  prevailing at the time for comparable  transactions  with  non-affiliated
companies.

Under Federal Reserve Board policy,  bank holding  companies are expected to act
as a source  of  financial  strength  to their  subsidiary  banks  and to commit
resources to support such banks in  circumstances  where a bank holding  company
might not do so absent such  policy.  In addition,  any capital  loans by a bank
holding  company  to any of its  subsidiary  banks are  subordinate  in right of
payment to deposits and to certain other  indebtedness of such subsidiary  bank.
In the event of a bank holding company's bankruptcy,  any commitment by the bank
holding company to a federal bank regulatory agency to maintain the capital of a
subsidiary  bank will be assumed by the  bankruptcy  trustee  and  entitled to a
priority of payment.

Our subsidiaries  face substantial  competition in their operations from banking
and nonbanking  institutions,  including savings and loan  associations,  credit
unions, money market funds and other investment  vehicles,  mutual fund advisory
companies,  brokerage firms,  insurance  companies,  mortgage banking companies,
finance companies and other types of financial services providers.

ITEM 2.

PROPERTIES
We own properties located in Washington, D.C. which house our executive offices,
15 of our branches, and certain operational units of Riggs Bank N.A. We also own
an office building in Maryland, where additional operational units of Riggs Bank
N.A. are located.  Further,  we own an office building in London,  England,  and
lease various properties in Washington,  D.C.; London, England; Berlin, Germany;
Miami,  Florida;  New  Haven,  Connecticut;   northern  Virginia  and  Maryland.
Additional  information  concerning  our facilities can be found on pages 70, 74
-75 and 77 of our 1999 Annual Report, which information is incorporated  herein
by reference.

ITEM 3.

LEGAL PROCEEDINGS
Incorporated by reference to page 114 of our 1999 Annual Report.

ITEM 4.

SUBMISSION OF MATTERS TO A VOTE OF
SECURITY HOLDERS
No matters were submitted to security holders for vote during the fourth quarter
of 1999.

                                      -4-
<PAGE>

PART II


ITEM 5.

MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED SHAREHOLDER MATTERS
The common  stock of Riggs  National  Corporation  is traded on The Nasdaq Stock
Market under the symbol:"RIGS."

A history of the  Corporation's  stock prices and dividends is  incorporated  by
reference to page 138 of our 1999 Annual Report.

As of February 29, 2000, there were 2,241 shareholders of record.

Other  information  required by this item is  incorporated by reference to pages
115-117 of our 1999 Annual Report.

ITEM 6.

SELECTED CONSOLIDATED FINANCIAL DATA
Incoporated by reference to page 77 of our 1999 Annual Report.

ITEM 7.

MANAGEMENT'S  DISCUSSION  AND  ANALYSIS OF  FINANCIAL  CONDITION  AND RESULTS OF
OPERATIONS
Incorporated by reference to pages 77-96 of our 1999 Annual Report.

ITEM 7 A.

QUANTITATIVE  AND  QUALITATIVE  DISCLOSURES  ABOUT MARKET RISK
Incorporated  by reference to pages 82-83 and 96 of our 1999 Annual Report.

ITEM 8.

FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
Incorporated by reference to pages 97-139 of our 1999 Annual Report.

ITEM 9.

CHANGES IN AND DISAGREEMENTS WITH
ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURES
None.

                                      -5-
<PAGE>




PART III

ITEM 10.

DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT
The information  required by this Item pertaining to directors of our company is
included in our proxy statement for our 2000 Annual Meeting of Shareholders (the
"2000 Proxy  Statement"),  which is incorporated  by reference.  The information
required  by this Item  pertaining  to  executive  officers of our company is as
follows:
<TABLE>
<CAPTION>

Executive Officer*                                   Position                                                           Age
<S>                         <C>                                                                                         <C>

Joe L. Allbritton           Chairman of the Board and Chief Executive Officer of the Corporation since 1981,
                              Chairman of the Board of Riggs Bank N.A. since 1983 and Chief Executive
                              Officer of Riggs Bank N.A. since 1997                                                     75
Timothy C. Coughlin         President of the Corporation since 1992                                                     57
John L. Davis               Chief Financial Officer, Treasurer and Comptroller of the Corporation and
                              Executive Vice President and Chief Financial Officer of Riggs Bank N.A. since 1993        58
Joseph W. Barr              Executive Vice President of Riggs Bank N.A.
                              Community Banking since 1993                                                              50
Joseph M. Cahill            Executive Director of Legal Affairs, Riggs Bank N.A. since 1998                             46
Henry A. Dudley, Jr.        Executive Vice President and Chief Trust Officer of Riggs Bank N.A. since 1994              53
Raymond M. Lund             Executive Vice President of Riggs Bank N.A.
                              International Banking Group since 1996                                                    38
Robert C. Roane             Executive Vice President and Chief Operating Officer of Riggs Bank N.A. since 1999          44
W. E. Tige Savage           Executive Vice President of Riggs Bank N.A. since 1998                                      31
David W. Scott              Executive Vice President and Chief Credit Officer of Riggs Bank N.A. since 1995             38
Alfred J. Serafino          Executive Vice President of Riggs Bank N.A.
                              Relationship Banking since 1993                                                           51
</TABLE>

*Executive officers of Riggs National  Corporation,  including certain executive
officers of Riggs Bank N.A., as of March 1, 2000.

                                      -6-

<PAGE>

EXPERIENCE OF MANAGEMENT

JOE L. ALLBRITTON has been Chairman of the Board and Chief Executive  Officer of
the Corporation since 1981. He has served as Chairman of the Board of Riggs Bank
N.A.  since  1983 and has served as Chief  Executive  Officer of Riggs Bank N.A.
since 1997. Mr.  Allbritton is the beneficial owner of approximately  42% of the
Common  Stock of the  Corporation  as of February  29,  2000.  He also serves as
Chairman of the Board of, and is the owner of, Westfield News Advertiser,  Inc.,
and Perpetual Corporation, indirect owner of Allbritton Communications Company.

TIMOTHY C. COUGHLIN has served as President of the Corporation since 1992. He
has been a Director of the Corporation since 1988 and was a Director of Riggs
Bank N.A. from 1983 to 1996.

JOHN L. DAVIS has served as Chief Financial Officer of the Corporation and
Executive Vice President and Chief Financial Officer of Riggs Bank N.A. since
June 1993.

JOSEPH W. BARR has served as  Executive  Vice  President  in charge of Community
Banking since July 1993.

JOSEPH M. CAHILL was appointed Executive Director of Legal Affairs of Riggs Bank
N.A. in 1998. Mr. Cahill served as the Litigation Manager of Riggs Bank N.A.
from 1996 to 1997, and Associate Litigation Manager from 1993 to 1995.

HENRY A. DUDLEY,  JR.,  Executive  Vice  President,  has served as Chief  Trust
Officer in charge of Financial  Services,  which  includes  the Trust  Division,
Riggs  Investment  Management  Corporation  (RIMCO),  and the  Domestic  Private
Banking Division, since 1994.

RAYMOND M. LUND has served as Executive Vice President-International Banking
Group since 1996. Mr. Lund has served in various management positions during the
past 10 years, including Head of the International and Domestic Private Banking
Divisions.

ROBERT C. ROANE, Executive Vice President, has served as Chief Operating Officer
of Riggs Bank N.A. since May of 1999. Mr. Roane has served in various management
positions with Riggs  during the past 22 years.

W. E. TIGE SAVAGE has served as  Executive  Vice  President  of Riggs Bank N.A.
since 1998,  supporting  the  activities  of Riggs  Capital  Partners  LLC,  the
Corporation's venture capital subsidiary, and the Office of the Chairman. He has
also served at Riggs Bank N.A. as Vice President and Executive  Assistant to the
Chairman and as a commercial lender.

DAVID W. SCOTT, Executive Vice President, has served as Chief Credit Officer of
Riggs Bank N.A. since 1995. Mr. Scott has served in various management positions
with Riggs during the past 11 years.

ALFRED J. SERAFINO has served as Executive Vice  President-Relationship  Banking
since 1993. He also has served as Executive Vice President in Commercial Banking
and President and Chief  Executive  Officer of the subsidiary  formerly known as
The Riggs National Bank of Maryland.

                                      -7-

<PAGE>

ITEM 11.

EXECUTIVE COMPENSATION
The   information   required  by  this  Item  is  included  in  Riggs   National
Corporation's 2000 Proxy Statement to Shareholders, which is incorporated herein
by reference.

ITEM 12.

SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT
The   information   required  by  this  Item  is  included  in  Riggs   National
Corporation's 2000 Proxy Statement to Shareholders, which is incorporated herein
by reference.

ITEM 13.

CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
The information required by this Item is included in the 2000 Proxy Statement to
Shareholders, which is incorporated herein by reference.



PART IV

ITEM 14.

EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

14(a)  Financial Statements
The financial  statements included on pages 97-139 of our 1999 Annual Report are
incorporated herein by reference.

The  exhibits  listed  on the  Index to  Exhibits  are  incorporated  herein  by
reference.

14(b)  Reports on Form 8-K
None.

                                      -8-

<PAGE>

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the  registrant  has duly  caused  this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

RIGGS NATIONAL CORPORATION



Pursuant to the requirements of the Securities Exchange Act of 1934, this report
has been signed below by the following  persons on behalf of the  registrant and
in the capacities and on the date indicated.


JOE L. ALLBRITTON*
------------------
Joe L. Allbritton,
Chairman of the Board and Chief Executive Officer
March 24, 2000


TIMOTHY C. COUGHLIN*                President
--------------------
Timothy C. Coughlin


/s/ JOHN L. DAVIS                   Chief Financial Officer and Comptroller
-----------------                   (Principal Financial and Accounting Officer)
    John L. Davis



ROBERT L. ALLBRITTON*                Director
---------------------
(Robert L. Allbritton)

JOHN M. FAHEY, JR.*                  Director
-------------------
(John M. Fahey, Jr.)

LAWRENCE I. HEBERT*                  Director
-------------------
(Lawrence I. Hebert)

STEVEN B. PFEIFFER*                  Director
-------------------
(Steven B. Pfeiffer)

JOHN E. V. ROSE*                     Director
----------------
(John E. V. Rose)

ROBERT L. SLOAN*                     Vice Chairman
-----------------                    of the Board
(Robert L. Sloan)

JACK VALENTI*                        Director
-------------
(Jack Valenti)

WILLIAM L. WALTON*                   Director
------------------
(William L. Walton)

EDDIE N. WILLIAMS*                   Director
------------------
(Eddie N. Williams)


*By:  /s/ JOSEPH M. CAHILL
      --------------------
      Joseph M. Cahill, Attorney-in-fact
      March 24, 2000

                                      -9-

<PAGE>

Index to
EXHIBITS
<TABLE>
<CAPTION>

Exhibit
   No.                                          Description                                                         Pages
------------------------------------------------------------------------------------------------------------------------------------
 <S>          <C>                                                                                                   <C>



  (3.1)       Restated   Certificate   of   Incorporation   of  Riggs   National
              Corporation,  dated April 19, 1999  (Incorporated  by reference to
              the  Registrant's  Form 10-Q for the quarter  ended June 30, 1999,
              SEC File No. 0-9756)

  (3.2)       By-laws of the Registrant with  amendments  through April 10, 1996
              (Incorporated by reference to the  Registrant's  Form 10-K for the
              year ended December 31, 1998, SEC File No. 0-9756)

  (4.1)       Indenture  dated June 1, 1989 with respect to $100  million  9.65%
              Subordinated Debentures due 2009 (Incorporated by reference to the
              Registrant's Form 8-K dated June 20, 1989, SEC File No. 0-9756)

  (4.2)       Indenture dated January 1, 1994 with respect to $125 million, 8.5%
              Subordinated Debentures due 2006 (Incorporated by reference to the
              Registrant's  Form 10-Q for the  quarter  ended  March  31,  1994,
              SEC File No. 0-9756)

  (4.3)       Indenture  dated  December 13, 1996 with respect to $150  million,
              8.625% Trust Preferred Securities, Series A due 2026 (Incorporated
              by  reference  to the  Registrant's  S-3 dated  February  6, 1997,
              SEC File No. 333-21297)

  (4.4)       Indenture  dated March 12,  1997,  with  respect to $200  million,
              8.875% Trust Preferred Securities, Series C due 2027 (Incorporated
              by reference to the  Registrant's  S-3 dated May 2, 1997,  SEC
              File No. 333-26447)

 (10.1)       Aircraft   Purchase   Agreement  for  the  Sale  of  Riggs  Bank's
              Gulfstream  III (Incorporated by reference to the Registrant's
              Form 10-Q  for the  quarter  ended  September  30,  1999,  SEC
              File No. 0-9756)

 (10.2)       Outfitted Gulfstream V Sales Agreement,  Addendum I, and Amendment
              for Riggs Bank's  Purchase of a new Gulfstream  V (Incorporated
              by reference  to the  Registrant's  Form 10-Q for the  quarter
              ended September 30, 1999, SEC File No. 0-9756)

 (10.3)+      Amended Joe L. Allbritton Employment Agreement, dated December 28,
              1999                                                                                                  12

 (10.4)+      Riggs National Corporation's Executive Incentive Plan
              (Incorporated by reference to the Registrant's Form 10-Q for the
              quarter ended September 30, 1999, SEC File No. 0-9756)

 (10.5)+      Split Dollar Life Insurance Plan Agreements (Incorporated by
              reference to the Registrant's Form 10-K for the year ended
              December 31, 1998, SEC File No. 0-9756)
</TABLE>

                                      -10-
<PAGE>
<TABLE>
<CAPTION>

Exhibit
   No.                                          Description                                                         Pages
------------------------------------------------------------------------------------------------------------------------------------
 <S>          <C>                                                                                                   <C>

 (10.6)+      The 1993 Stock  Option  Plan and the 1994 Stock  Option  Plan,  as
              amended  April  15,  1998   (Incorporated   by  reference  to  the
              Registrant's Annual Meeting Proxy Statement filed March 18, 1998),
              and the 1996 Stock Option Plan and the 1997 Non-Employee Directors
              Stock  Option Plan,  as amended  April 14, 1999  (Incorporated  by
              reference to the Registrant's Annual Meeting Proxy Statement filed
              March 17, 1999)

 (10.7)+      Deferred Compensation Plan for Directors (Incorporated by
              reference to the Registrant's Form 10-K for the year ended
              December 31, 1998, SEC File No. 0-9756)

 (10.8)+      Description of the 1998 General Incentive Plan (Incorporated by
              reference to the Registrant's Form 10-K for the year ended
              December 31, 1998, SEC File No. 0-9756)

 (10.9)+      Description of the 1999 General  Incentive Plan  (Incorporated  by
              reference  to the  Registrant's  Form  10-K  for  the  year  ended
              December 31, 1998, SEC File No.0-9756)

(10.10)+      Supplemental Executive Retirement Plan, as amended and restated
              July 12, 1995 (Incorporated by reference to the Registrant's Form
              10-K for the ended December 31, 1998, SEC File No. 0-9756)

(10.11)+      Trust  Agreement,  dated  July  12,  1995,  for  the  Supplemental
              Executive  Retirement Plan and the Split Dollar Life Insurance and
              Supplemental Death Benefit Plans (Incorporated by reference to the
              Registrant's  Form  10-K for the year  ended  December  31,  1998,
              SEC File No. 0-9756)

(10.12)       Operating Agreement of Riggs Capital Partners LLC                                                     35

  (11)        Computation of Per Share Earnings                                                                     68

  (13)        Portions of our 1999 Annual Report to Shareholders                                                    69

  (21)        Subsidiaries of the Registrant                                                                       140

  (23)        Consent of Independent Public Accountants                                                            141

  (24)        Powers of Attorney                                                                                   142

  (27)        Financial Data Schedule                                                                              144
</TABLE>



+ Management contract or compensatory plan, contract, or arrangement

                                      -11-