<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