EXHIBIT 31.2

                  CERTIFICATION OF THE CHIEF FINANCIAL OFFICER
            PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, David V. Devault,  Executive Vice  President,  Treasurer and Chief  Financial
Officer of Washington Trust Bancorp, Inc., certify that:

1.   I  have reviewed  this  quarterly  report  on Form 10-Q, for  the quarterly
     period  ended  June  30, 2004,  of  Washington  Trust  Bancorp,  Inc.  (the
     "Registrant");

2.   Based  on my knowledge, this  quarterly report does  not contain any untrue
     statement of a material fact or  omit to state a material fact necessary to
     make the  statements made, in light of the  circumstances under which  such
     statements were made, not  misleading with respect to the period covered by
     this quarterly report;

3.   Based  on  my  knowledge, the  financial  statements, and  other  financial
     information  included  in this  quarterly  report, fairly  present  in  all
     material respects the  financial condition, results  of operations and cash
     flows of  the  Registrant as of, and  for, the  periods presented  in  this
     quarterly report;

4.   The  Registrant's other  certifying  officer  and  I  are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act  Rules 13a-15(e) and 15d-15 (e) for the  Registrant and  we
     have:

     (a)designed  such  disclosure  controls  and  procedures,  or  caused such
        disclosure controls and procedures to be designed under our supervision,
        to  ensure  that  material  information   relating  to  the  Registrant,
        including  its consolidated  subsidiary, is made  known to us  by others
        within  that  entity,  particularly  during  the  period  in  which this
        quarterly report is being prepared;
     (b)evaluated the effectiveness of the Registrant's  disclosure controls and
        procedures and presented in this quarterly  report our conclusions about
        the effectiveness  of the disclosure controls and  procedures, as of the
        end  of  the  period  covered  by  this  quarterly  report based on such
        evaluation; and
     (c)disclosed  in  this  quarterly  report  any  change  in the Registrant's
        internal  control  over  financial  reporting  that  occurred during the
        Registrant's most recent fiscal quarter that has materially affected, or
        is reasonable  likely to  materially affect, the  registrant's  internal
        control over financial reporting; and

5.   The Registrant's other  certifying  officer and I have  disclosed, based on
     our most recent evaluation of internal control over financial reporting, to
     the Registrant's auditors and the audit committee of the Registrant's board
     of directors:

     (a)all significant  deficiencies and  material weaknesses  in the design or
        operation  of  internal  control  over  financial  reporting  which  are
        reasonably  likely  to  adversely  affect  the  Registrant's  ability to
        record, process, summarize and report financial information; and
     (b)any  fraud, whether or not material, that involves  management or  other
        employees  wh o have  a  significant role in the  Registrant's  internal
        controls over financial reporting.

Date:  August 6, 2004               By: David V. Devault
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                                    David V. Devault
                                    Executive Vice President, Treasurer
                                    and Chief Financial Officer
                                    (principal financial and accounting officer)