Form 8-K
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549
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                                    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):April 15, 2003 (April 15, 2003)
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                           BANCORP RHODE ISLAND, INC.
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             (Exact name of registrant as specified in its charter)

                                  Rhode Island

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                 (State or other jurisdiction of incorporation)

                              333-33182 05-0509802
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          (Commission File Number) (IRS Employer Identification Number)

              One Turks Head Place, Providence, Rhode Island 02903
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                    (Address of principal executive offices)

                                 (401) 456-5000
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              (Registrant's telephone number, including area code)

                                 Not Applicable
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          (Former name or former address, if changed since last report)





Item 7.  Financial Statements and Exhibits

(c)      Exhibit

Exhibit No.       Exhibit
99.1              Press Release dated April 15, 2003

Item 9.  Regulation  FD  Disclosure  (Information  Furnished  in this  Item 9 is
Furnished under Item 12)

In accordance with Securities and Exchange  Commission Release No. 33-8126,  the
following information, which is intended to be furnished under Item 12, "Results
of Operations and Financial Condition", is instead being furnished under Item 9,
"Regulation FD  Disclosure."  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.

On April 15, 2003, Bancorp Rhode Island, Inc. issued a press release in which it
disclosed unaudited financial  information related to first quarter consolidated
earnings. A copy of the press release relating to such announcement, dated April
15,  2003,  is attached  hereto as Exhibit  99.1 and is  incorporated  herein by
reference.

                                  EXHIBIT INDEX

Exhibit No.          Exhibit
99.1                 Press Release Dated April 15, 2003

                                   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 hereunto duly authorized.

                                          BANCORP RHODE ISLAND, INC.



                                          By:   s/Albert R. Rietheimer
                                                -------------------------------
                                                Albert R. Rietheimer
                                                Chief Financial Officer


Date:  April 15, 2003