Ann Bowie Watson Smith, 72, a descendant of one of the early families to settle Maryland and a lifelong resident of the Upper marlboro area, died Tuesday at Prince George's General Hospital in Cheverly of injuries suffered in a traffic accident.

U.S Park Police said Mrs. Smith was driving on Sutiland Parkway near Meadowview Drive when her car and another vehicle collided about 11:30 a.m. Tuesday.

Mrs. Smith, whose family moved in Maryland in colonial times, was born at Melwood Farm in Upper Marlboro. She graduated from Georgetown Visitation Convent in Washington and later studied art in Germany.

She lived at Melwood Farm until 1949, whnen she moved to The Dower House. That property, which also is in Upper Marlboro, was founded in 1660 by Charles Calvert, the third Lord Baltimore, as a hunting lodge. In 1973, the Smiths sold it to the State of Maryland and it is to become the Rosaryville State Park.

Since 1973, the Smiths have lived at Mattaponi, a house in Croom near upper Marlboro which was started in the 18th century. One of its occupants was Gov. Robert Bowie, after whom the town was named and a forebear of Mrs. Smith.

Mrs. Smith was a member of the Colonail Dames, the Daughters of the Cincinnati, the Pilgrims of St. Mary's the Society of the Ark and Dove, the National Society of Descendants of Lords of the Maryland Manors and the Sulgrave Club.

Survivors include her husband, Edward James Smith of Croom; two sons, Edward James (Boy) Jr., of Washington, and Darnell Smith of Croom; five daughters, leslie Smith (Chip) Dorsey, Margaret Smith (Madge) Yewell and Frances Smith (Franci) Wyrough, all of Upper Marlboro; Stuart Smith Graham of Washington, Ind., and Eleanor Medill Patterson (Cissy) Smith of Washington; 23 grandchildren, and two great-grandchildren.

The family suggests that expressions of sympathy be in the form of contributions to Georgetown Visitatin Convent, Washington, D.C., or to St. Thomas Episcopal Church, Croom, Md.