Exhibit 99.2


                              FIRST FINANCIAL CORP.


                    PROXY FOR SPECIAL MEETING OF SHAREHOLDERS
                         TO BE HELD ON ________, 2002

The undersigned hereby constitutes and appoints Patrick J. Shanahan, Jr. and
William F. Hague, Jr., and each of them singly, as Proxies of the undersigned,
with full power to appoint his or her substitute, and authorizes each of them to
vote at the Special Meeting of Shareholders of First Financial Corp. to be held
on _________, 2002 (including any adjournments or postponements thereof), with
all the powers the undersigned would possess if personally present, as specified
hereon, on the Agreement and Plan of Merger and the transactions contemplated by
that agreement and, in their discretion, on any other business that may come
before the meeting.

WHEN PROPERLY EXECUTED, THIS PROXY WILL BE VOTED IN THE MANNER DIRECTED HEREIN
BY THE UNDERSIGNED SHAREHOLDER(S). IF NO DIRECTION IS GIVEN, THIS PROXY WILL BE
VOTED "FOR" THE PROPOSAL. IN THEIR DISCRETION, THE PROXIES ARE EACH AUTHORIZED
TO VOTE UPON SUCH OTHER BUSINESS AS MAY PROPERLY COME BEFORE THE SPECIAL MEETING
AND ANY ADJOURNMENTS OR POSTPONEMENTS THEREOF. A SHAREHOLDER WISHING TO VOTE IN
ACCORDANCE WITH THE BOARD OF DIRECTORS' RECOMMENDATION NEED ONLY SIGN AND DATE
THIS PROXY AND RETURN IT IN THE ENCLOSED ENVELOPE.

The undersigned hereby acknowledge(s) receipt of a copy of the accompanying
Notice of Special Meeting of Shareholders and the related Proxy
Statement/Prospectus and hereby revoke(s) any proxy or proxies heretofore given.
This proxy may be revoked at any time before it is exercised.

              THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF
                              FIRST FINANCIAL CORP.

       PLEASE VOTE AND SIGN ON THE OTHER SIDE AND RETURN PROMPTLY IN THE
                               ENCLOSED ENVELOPE.
                        DO NOT FORGET TO DATE YOUR PROXY.







--------  PLEASE MARK
   X      VOTE AS IN THIS
--------  EXAMPLE




         PROPOSAL. To approve and adopt the Agreement and Plan of Merger, dated
as of November 12, 2001, by and between First Financial Corp. and Washington
Trust Bancorp, Inc., and the transactions contemplated by that agreement,
including the merger of First Financial Corp. with and into Washington Trust
Bancorp, Inc.

               --------                   --------                  -------
         FOR                    AGAINST                   ABSTAIN
               --------                   --------                  -------



PLEASE BE SURE TO SIGN AND DATE THIS PROXY



                                      DATE:  ___________________________________
                              SIGNATURE(S):  ___________________________________
                                             ___________________________________


                                  CHANGE OF  ___________________________________
                                   ADDRESS?  ___________________________________
                                             ___________________________________


PLEASE SIGN NAME EXACTLY AS SHOWN. WHERE THERE IS MORE THAN ONE HOLDER, EACH
SHOULD SIGN. WHEN SIGNING AS AN ATTORNEY, ADMINISTRATOR, GUARDIAN OR TRUSTEE,
PLEASE ADD YOUR TITLE AS SUCH. IF EXECUTED BY A CORPORATION OR PARTNERSHIP, THE
PROXY SHOULD BE SIGNED BY A DULY AUTHORIZED PERSON, STATING HIS OR HER TITLE OR
AUTHORITY.