UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------------- FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 15, 2004 WASHINGTON TRUST BANCORP, INC. ----------------------------- (Exact Name of Registrant as Specified in Charter) Rhode Island 0-13091 05-0404671 ------------------------------- ------------------- ---------------------- (State or Other Jurisdiction (Commission (IRS Employer of Incorporation) File Number) Identification No.) 23 Broad Street, Westerly, Rhode Island 02891 ------------------------------------------------------------ (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (401) 348-1200 Former name or address, if changed from last report: N/A Item 7. Financial Statements and Exhibits ----------------------------------------- (c) Exhibit Exhibit No. Exhibit 99.1 Press Release dated July 15, 2004 Item 12. Results of Operations and Financial Condition ------------------------------------------------------ On July 15, 2004, Washington Trust Bancorp, Inc. issued a press release in which it disclosed unaudited financial information related to second quarter consolidated earnings. A copy of the press release relating to such announcement, dated July 15, 2004, is attached hereto as Exhibit 99.1 and is incorporated herein by reference. EXHIBIT INDEX Exhibit No. Exhibit 99.1 Press Release dated July 15, 2004 This information shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. WASHINGTON TRUST BANCORP, INC. Date: July 15, 2004 By: John C. Warren ------------------------------------ John C. Warren Chairman and Chief Executive Officer