<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS AND NOTES THERETO OF WASHINGTON TRUST BANCORP, INC. AS OF
SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                      18,920,846
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                37,426
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                145,015,995
<INVESTMENTS-CARRYING>                      28,263,434
<INVESTMENTS-MARKET>                        28,301,456
<LOANS>                                    406,893,375
<ALLOWANCE>                                  8,430,182
<TOTAL-ASSETS>                             623,414,480
<DEPOSITS>                                 470,986,703
<SHORT-TERM>                                88,870,517
<LIABILITIES-OTHER>                          6,303,961
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       271,966
<OTHER-SE>                                  56,981,333
<TOTAL-LIABILITIES-AND-EQUITY>             623,414,480
<INTEREST-LOAN>                             26,963,456
<INTEREST-INVEST>                            6,367,479
<INTEREST-OTHER>                               180,024
<INTEREST-TOTAL>                            33,510,959
<INTEREST-DEPOSIT>                          12,174,951
<INTEREST-EXPENSE>                          13,985,678
<INTEREST-INCOME-NET>                       19,525,281
<LOAN-LOSSES>                                  900,000
<SECURITIES-GAINS>                             266,026
<EXPENSE-OTHER>                             15,188,447
<INCOME-PRETAX>                              9,632,500
<INCOME-PRE-EXTRAORDINARY>                   9,632,500
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 6,356,500
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.42
<YIELD-ACTUAL>                                    8.67
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             7,784,516
<CHARGE-OFFS>                                  925,514
<RECOVERIES>                                   671,180
<ALLOWANCE-CLOSE>                            8,430,182
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0