Exhibit 10

              Change in Control Agreements with Executive Officers

                         WASHINGTON TRUST BANCORP, INC.
                                 23 BROAD STREET
                          WESTERLY, RHODE ISLAND 02891


In the second quarter of 1999,  the  Registrant entered into a Change of Control
Agreement  with one of its executive  officers.  The form of Agreement, filed as
Exhibit 10 to the Registrant's Quarterly Report on Form 10-Q for  the  quarterly
period ended March 31, 1999, contains blanks where the term of the Agreement and
the  multiple of the executive's  base  amount   provided  under  the  Agreement
vary  for  certain  executives.  The  executive  officer  who  entered  into the
Agreement,  the  term of  the Agreement and the multiple of the executive's base
amount provided under the Agreement are listed in the following chart:



                                Term of Agreement       Number Times Base Amount
Executive Officer             (Sections 3, 4 and 13)          (Section 5 a)
- ----------------------------- ---------------------- ---------------------------

John F. Treanor
President and Chief
Operating Officer                      1 year                     2 times