Using 1KΩ resistors? If so, then the 18Vrms you quoted for the transformer secondary voltage is measured between the ends of the center-tapped secondary winding, making the voltage only 9Vrms between the center-tap and either end. See this:..I've did this but with 2w resistors cause that I had available, voltage was 11v on both sides.
To have enough head-room to keep the 78xx/79xx regulators from dropping-out, you would have to use a transformer that has a minimum of ~28Vrms across the ends of the center-tapped secondary winding.
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