UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
                             ----------------------


                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


                Date of Report (Date of earliest event reported)
                                 April 16, 2002

                         WASHINGTON TRUST BANCORP, INC.
                          -----------------------------
               (Exact Name of Registrant as Specified in Charter)


               Rhode Island             0-13091          05-0404671
         ------------------------ ------------------- -----------------
       (State or Other Jurisdiction (Commission File  (IRS Employer
        of Incorporation)            Number)           Identification No.)



                  23 Broad Street, Westerly, Rhode Island 02891
          ------------------------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)


       Registrant's telephone number, including area code: (401) 348-1200

            Former name or address, if changed from last report: N/A

Item 5.  Other Events

     On April 16, 2002,  Washington Trust Bancorp,  Inc.  ("Washington  Trust"),
parent of The  Washington  Trust  Company,  completed its  acquisition  of First
Financial  Corp.  ("First  Financial"),  parent of First Bank and Trust  Company
("First Bank"). As a result of the acquisition,  First Financial has been merged
into Washington  Trust and First Bank has been merged into The Washington  Trust
Company.  Holders of First Financial  common stock are entitled to receive 0.842
of a share of Washington Trust common stock,  par value $0.0625 per share,  plus
$16.00 in cash, for each share of First  Financial  common stock that they hold,
with cash to be paid in lieu of fractional  shares.  The press release issued by
Washington Trust is attached hereto as Exhibit 99.1, and is incorporated  herein
by reference.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

    (c)  Exhibits  Exhibit 99.1 - Press  Release of  Washington  Trust  Bancorp,
         Inc., dated April 16, 2002


                                   SIGNATURES

     Pursuant to the  requirements  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.




                                                  WASHINGTON TRUST BANCORP, INC.


Date:  April 18, 2002                          By: John C. Warren
                                                   --------------
                                                   John C. Warren
                                                   Chairman and Chief
                                                   Executive Officer