<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CONSOLIDATED FINANCIAL STATEMENTS AND NOTES THERETO OF WASHINGTON TRUST 
BANCORP, INC. AS OF SEPTEMBER 30, 1994 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                      13,960,976
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,812,143
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 41,182,787
<INVESTMENTS-CARRYING>                      51,948,657
<INVESTMENTS-MARKET>                        50,322,579
<LOANS>                                    379,328,936
<ALLOWANCE>                                  8,760,005
<TOTAL-ASSETS>                             508,656,188
<DEPOSITS>                                 439,512,313
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          4,804,799
<LONG-TERM>                                 19,532,394
<COMMON>                                       180,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  44,626,682
<TOTAL-LIABILITIES-AND-EQUITY>             508,656,188
<INTEREST-LOAN>                             22,744,533
<INTEREST-INVEST>                            3,941,541
<INTEREST-OTHER>                               192,330
<INTEREST-TOTAL>                            26,878,404
<INTEREST-DEPOSIT>                           9,005,277
<INTEREST-EXPENSE>                          10,041,345
<INTEREST-INCOME-NET>                       16,837,059
<LOAN-LOSSES>                                  800,000
<SECURITIES-GAINS>                             681,558
<EXPENSE-OTHER>                             14,898,942
<INCOME-PRETAX>                              6,521,722
<INCOME-PRE-EXTRAORDINARY>                   6,521,722
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,418,722
<EPS-PRIMARY>                                     1.54
<EPS-DILUTED>                                     1.53
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0 
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0