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
                           SECURITIES EXCHANGE ACT OF 1934
                     For the fiscal year ended December 31, 2000
                                       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)

                                 (202) 835-4309
                                 --------------
              (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  28,  2001,   was
      $277,571,625.

        The number of shares outstanding of the registrant's common stock, as of
      February 28, 2001, was 28,448,466.

                         DOCUMENT INCORPORATED BY REFERENCE

        Portions of Riggs  National  Corporation's  definitive  Proxy  Statement
      dated March 9, 2001 to  Shareholders  are  incorporated  by reference into
      Part III of this Form 10-K. Portions of Riggs National  Corporation's 2000
      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                                                           5
Item 3--Legal Proceedings                                                    5
Item 4--Submission of Matters to a Vote of Security Holders                  5


                               PART II

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


                               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 ("our company") 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; Jersey, Channel Islands and Nassau, Bahamas.  Additionally,  we
provide  investment   advisory  services   domestically   through   subsidiaries
registered  under the Investment  Advisers Act of 1940. A subsidiary  located in
the  Bahamas  provides  trust and  corporate  services,  as well as  traditional
banking  services.  At December  31,  2000,  we and our  subsidiaries  had 1,558
full-time equivalent employees.

We have six  reportable  segments that are strategic  business  units  providing
diverse  products and  services  within the  financial  services  industry.  Our
segments are Banking,  International Banking, Riggs & Company,  Treasury,  Riggs
Capital  Partners  and Other,  and are  described  on page 64 of our 2000 Annual
Report, which is incorporated herein by reference.

Key elements of our business  strategy for our  subsidiaries  are to continue to
focus on growth  opportunities  through the  additional  accumulation  of assets
under  management  in  our  financial  services  division  (Riggs  &  Co.),  the
orientation   of  our  retail   banking   branches   toward   money   management
relationships,  the development and  specialization  in relationship  banking of
banking  products  and services in specific  growth  industries,  the  continued
preeminence  in the  embassy  banking  operations  coupled  with  growth  in the
international  private  banking  business lines,  and continued  venture capital
investment in high-tech and other growth companies in the  Mid-Atlantic  region.
As a  complement  to  internally  developed  programs,  we may  pursue  possible
alliances or  acquisitions  that  further our  strategic  goals.  In addition to
pursuing our strategic  goals,  we will  continue to serve the varied  financial
needs of the  Washington,  D.C.  metropolitan  area and to meet our  commitments
under the Community Reinvestment Act.

Riggs Bank National Association
Our  principal  subsidiary  is Riggs Bank N.A., a national  banking  association
founded in 1836 and  incorporated  under the national banking laws of the United
States in 1896.  Riggs Bank N.A.  had assets of $5.2  billion,  deposits of $4.1
billion, and stockholder's equity of $425.2 million at December 31, 2000.

Riggs Bank N.A.  operates 31 branches and an investment  advisory  subsidiary in
Washington,  D.C.; 14 branches in Virginia;  six branches in Maryland;  a second
investment advisory subsidiary in New Haven,  Connecticut;  a commercial bank in
London, England; an Edge Act (federally-chartered  corporation allowed to engage
only in  international  banking  or  other  financial  transactions  related  to
international  business) subsidiary in Miami, Florida; branch offices in London,
England,  Berlin,  Germany,  Jersey,  Channel Islands and Nassau,  Bahamas and a
Bahamian bank and trust company.

As a commercial bank, Riggs Bank N.A. provides a wide array of financial
services to customers in the Washington, D.C. metropolitan area, throughout the
United States and internationally.

Riggs Bank N.A.'s  Corporate and Commercial  Banking Groups provide  services to
customers  ranging  from  small  regional   businesses  to  major  multinational
companies and non-profit groups. These services include lines of credit, secured
and unsecured term loans, letters of credit, credit support facilities,  foreign
currency transactions, cash management and investment banking.

Riggs Bank N.A.'s financial services  division,  Riggs & Co., provides fiduciary
and administrative services, including financial management and tax planning for
individuals, investment and accounting services for governmental,  corporate and
non-profit organizations, estate planning and trust administration.

Riggs Bank N.A. provides investment advisory services through Riggs Investment
Management Corporation ("RIMCO") and J. Bush & Co. Incorporated, both of which
are wholly-owned subsidiaries incorporated under the laws of Delaware and
registered under the Investment Advisers Act of 1940.

Riggs Bank N.A.'s Retail Banking Group provides a variety of services  including
checking,  NOW, savings and money market  accounts,  loans and personal lines of
credit,   certificates  of  deposit  and  individual  retirement  accounts,  and
investment  sales.  Additionally,  the Retail  Banking  Group  provides  24-hour
banking services through its telebanking  operations and a network of Riggs Bank
N.A.'s 134 automated  teller machines  ("ATMs") as well as national and regional
ATM networks.

Riggs Bank N.A.'s  International  Banking Group furnishes a variety of financial
services, including issuing letters of credit in connection with trade and other
transactions,  taking  deposits,  foreign  exchange,  private  banking  and cash
management.  Customers  include  embassies and foreign  missions in  Washington,
D.C.,  foreign  governments,  central banks, and correspondent  banks around the
world.  These  services are provided  through  both  domestic and  international
offices.

Additional international operations of Riggs Bank N.A. include:

-Riggs Bank Europe  Limited  ("RBEL"),  located in London,  England,  providing
traditional corporate banking services,  commercial property financing and trade
finance.  RBEL has two  branches in London and one in Berlin;
-Riggs & Company International, located in London, England and Jersey, Channel
Islands, providing private banking services to international  customers;
-The Riggs Bank and Trust Company (Bahamas) Limited, in Nassau, providing trust
services for international private  banking  customers;
-A London  branch  located  in the U.S.  Embassy, serving the Embassy, its
employees and official visitors.

                                      -3-
<PAGE>

Riggs Capital
Riggs Capital,  one of our wholly-owned  subsidiaries,  issued 150,000 shares of
8.625% Trust Preferred  Securities,  Series A, with a liquidation  preference of
$1,000 per share,  in December 1996. The Trust  Preferred  Securities,  Series A
qualify as Tier I Capital with certain  limitations,  see "Notes to Consolidated
Financial  Statements-Note 1 and Note 11" on pages 34 and 50, of our 2000 Annual
Report, which is incorporated herein by reference.

Riggs Capital II, one of our wholly-owned subsidiaries, issued 200,000 shares of
8.875% Trust Preferred  Securities,  Series C, with a liquidation  preference of
$1,000  per share,  in March  1997.  The Trust  Preferred  Securities,  Series C
qualify as Tier I Capital with certain  limitations,  see "Notes to Consolidated
Financial  Statements-Note 1 and Note 11" on pages 34 and 50, of our 2000 Annual
Report, which is incorporated herein by reference.

Riggs Capital Partners
Riggs Capital Partners LLC ("RCP"), our venture capital subsidiary,  specializes
in  equity  investments   typically  in  privately-held   high-tech  and  growth
companies.  A second venture capital subsidiary,  Riggs Capital Partners II, LLC
("RCP II"),  was formed in the fourth  quarter of 2000. As of December 31, 2000,
combined venture capital investments of RCP and RCP II totaled $83.7 million.

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 48 and 49 of our 2000  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.

In  1996,  legislation  for  the  recapitalization  of the  Savings  Association
Insurance Fund ("SAIF"),  which is administered by the FDIC,  became  effective.
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.

                                      -4-
<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.

The Bank Secrecy Act of 1970 was designed to deter money  laundering and the use
of secret foreign bank accounts,  establish  regulatory  reporting standards for
currency transactions, and improve detection and investigation of criminal, tax,
and regulatory  violations.  It and subsequent laws and regulations  require the
Bank to take steps to prevent the use of the Bank or its  systems to  facilitate
the flow of illicit  money.  Those steps include  ensuring  effective  Board and
Management  oversight,  the  establishment  of sound  policies  and  procedures,
developing  effective monitoring and reporting  capabilities,  ensuring adequate
training,  and  establishing  a  comprehensive  internal audit of BSA compliance
activities.

In recent  years,  Federal  regulators  have  increased  the  attention  paid to
compliance  with the  provisions of the Bank Secrecy Act and related laws,  with
particular attention paid to "Know Your Customer" practices, which are now known
as Enhanced Due Diligence. Banks have been encouraged, by both regulators and by
various industry  groups,  to enhance their  identification  procedures prior to
accepting  new  customers  in order to deter  criminal  elements  from using the
banking system to move and hide their illicit profits.

The  Graham-Leach-Bliley  Act of 1999  (GLB)  requires  banks and other  broadly
defined  financial  institutions to take certain measures to protect the private
financial information of their customers. These measures fall generally into two
categories:ensuring the physical and logical safeguards of information housed on
bank-owned systems and ensuring that only appropriate information is shared with
third  parties.  GLB makes a distinction between  information  that is shared to
allow a third party servicer to perform its  contractually  specified duties and
information that is shared for other purposes such as marketing.

Banks and other financial  institutions  must disclose their policies on sharing
customer  information  with third  parties,  and also disclose the nature of the
firms with whom they share this data.  Further,  banks must allow  customers the
ability to choose not to have their  information  disclosed to any third parties
other than those that perform services for the bank.

The  provisions of the Act are to be  implemented  by banks and other  financial
institutions by July 1, 2001.

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, 14 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;   Jersey,   Channel  Islands;   Miami,  Florida;  New  Haven,
Connecticut;  northern Virginia and Maryland.  Additional information concerning
our  facilities  can be  found  on  page 10 of our  2000  Annual  Report,  which
information is incorporated herein by reference.

ITEM 3.

LEGAL PROCEEDINGS
Incorporated by reference to page 47 of our 2000 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 2000.

                                      -5-

<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 71 of our 2000 Annual Report.

As of February 28, 2001, there were 2,141 shareholders of record.

Other information  required by this item is incorporated by reference to page 50
of our 2000 Annual Report.

ITEM 6.

SELECTED CONSOLIDATED FINANCIAL DATA
Incorporated by reference to page 10 of our 2000 Annual Report.

ITEM 7.

MANAGEMENT'S  DISCUSSION  AND  ANALYSIS OF  FINANCIAL  CONDITION  AND RESULTS OF
OPERATIONS
Incorporated by reference to pages 10-29 of our 2000 Annual Report.

ITEM 7A.

QUANTITATIVE  AND  QUALITATIVE  DISCLOSURES  ABOUT MARKET RISK
Incorporated  by reference to pages 16 and 29 of our 2000 Annual Report.

ITEM 8.

FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
Incorporated by reference to pages 30-72 of our 2000 Annual Report.

ITEM 9.

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


PART III

ITEM 10.

DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT
The information required by this Item pertaining to directors of our company who
are standing for reelection this year is included in our proxy statement for our
2001  Annual  Meeting of  Shareholders  (the "2001 Proxy  Statement"),  which is
incorporated by reference.  The information  required by this Item pertaining to
executive  officers  of our  company  and  directors  who are not  standing  for
reelection 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                                                     76
Timothy C. Coughlin         President of the Corporation since 1992                                                     58
Joseph M. Cahill            General Counsel of the Corporation since 2000 and Executive Director of
                              Legal Affairs, Riggs Bank N.A. since 1998                                                 47
Henry A. Dudley, Jr.        Executive Vice President and Chief Trust Officer of Riggs Bank N.A. since 1994              54
John M. Fahey, Jr.          Director (until 2001 Annual Meeting of Shareholders)                                        48
Jeffrey T. Glynn            Executive Vice President of Riggs Bank N.A.
                             Community Banking since 2000                                                               42
Raymond M. Lund             Executive Vice President of Riggs Bank N.A.
                              International Banking Group since 1996                                                    39
Robert C. Roane             Executive Vice President and Chief Operating Officer of Riggs Bank N.A. since 1999          44
John E. V. Rose             Director (until 2001 Annual Meeting of Shareholders)                                        48
W. E. Tige Savage           Executive Vice President of Riggs Bank N.A. since 1998                                      32
David W. Scott              Executive Vice President and Chief Credit Officer of Riggs Bank N.A. since 1995             39
Steven T. Tamburo           Deputy Chief Financial Officer of the Corporation since 2000
                              Senior Vice President and Deputy Chief Financial Officer of Riggs Bank N.A. since 2000    32
</TABLE>

*Executive officers of Riggs National  Corporation,  including certain executive
officers of Riggs Bank N.A., as of December 31, 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. He also serves as Chairman of the Board of and is the owner of,
Westfield News Advertisers, 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.

JOSEPH M. CAHILL was appointed General Counsel of the Corporation in 2000 and
has served as Executive Director of Legal Affairs of Riggs Bank N.A. since 1998.
Mr. Cahill also 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.

JOHN M. FAHEY, JR.,  Director,  is President and Chief Executive Officer of the
National  Geographic  Society.  He has also served in other  management roles at
National Geographic, and from 1989 to 1995 he served as Chairman,  President and
Chief Executive Officer at Time Life, Inc.

JEFFREY T. GLYNN has served as Executive Vice President-Community  Banking since
April of 2000.  He also has  served as Senior  Vice  President  and  Manager  of
RiggsDirect, our telephone banking group.

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 11 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.

JOHN E.V. ROSE, Director,  has served as Chief Executive Officer of Rolls-Royce
plc since 1996. He also served as Managing Director of Aerospace Group from 1995
to 1996, and as Deputy Managing Director in 1994.

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 and Riggs Capital
Partners II, LLC, the Corporation's venture capital subsidiaries, and the Office
of the  Chairman.  He also has 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 12 years.

STEVEN T. TAMBURO has served as Deputy Chief Financial Officer of the
Corporation and as Senior Vice President and Deputy Chief Financial Officer of
Riggs Bank N.A. since October of 2000. Mr. Tamburo also served as Senior Vice
President and Controller from 1999 to 2000 and Group Vice President-Management
and Regulatory Reporting from 1998 to 1999.

                                      -7-

<PAGE>

ITEM 11.

EXECUTIVE COMPENSATION
The   information   required  by  this  Item  is  included  in  Riggs   National
Corporation's 2001 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 2001 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 2001 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 30-72 of our 2000 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.


/s/ ROBERT L. ALLBRITTON
    --------------------
    Robert L. Allbritton,
    Chairman of the Board and Chief Executive Officer
    March 23, 2001

    JOE L. ALLBRITTON*              Senior Chairman of the Board
    ------------------
    Joe L. Allbritton


/s/ TIMOTHY C. COUGHLIN             President
    -------------------
    Timothy C. Coughlin


/s/ STEVEN T. TAMBURO               Chief Financial Officer and Treasurer
    -----------------               (Principal Financial and Accounting Officer)
    Steven T. Tamburo


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


    LAWRENCEI. 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)


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


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


*By:  /s/ JOSEPH M. CAHILL
      --------------------
      Joseph M. Cahill, Attorney-in-fact
      March 23, 2001

                                      -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 12, 2000
              (Incorporated by reference to the  Registrant's  Form 10-Q for the
              quarter ended June 30, 2000, 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 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)

 (4.3)        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)       Time Sharing Agreement for lease of Beechcraft King Air 300 by
              Riggs Bank N.A.                                                                                        12-16

 (10.4)       Time Sharing Agreement for lease of Gulfstream III by Riggs Bank
              N.A.                                                                                                   17-21

 (10.5)+      Amended Joe L. Allbritton Employment Agreement, dated December 28,
              1999  (Incorporated by reference to the Registrant's Form 10-K for
              the year ended December 31, 1999, SEC File No. 0-9756)

 (10.6)+      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)

 (10.7)+      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)

                                      -10-

<PAGE>

Exhibit
   No.                                          Description                                                          Pages
------------------------------------------------------------------------------------------------------------------------------------

 (10.8)+      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)

 (10.9)+      Riggs   National   Corporation   and  Riggs   Bank  N.A   Deferred
              Compensation   Plan  for   Directors,   revised   April  12,  2000
              (Incorporated by reference to the  Registrant's  Form 10-Q for the
              quarter ended June 30, 2000, SEC File No. 0-9756)

(10.10)+      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)

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

(10.12)+      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)

 (10.13)      First Amendment to Operating Agreement of Riggs Capital Partners
              LLC                                                                                                    22-23

 (10.14)      Riggs Capital Partners, LLC Investment & Management Agreement with
              RCP Investments, LP                                                                                    24-29

  (11)        Computation of Per Share Earnings                                                                      30

  (13)        Portions of our 2000 Annual Report to Shareholders                                                     31-103

  (21)        Subsidiaries of the Registrant                                                                         104

  (23)        Consent of Independent Public Accountants                                                              105

  (24)        Powers of Attorney                                                                                     106

</TABLE>


+Management contract or compensatory plan or arrangement.

Exhibits omitted are not required or not applicable.

                                      -11-