Bernard L. Amiss, 78, a retired vice president and trust officer of Riggs National Bank, died Wednesday at Sibley Memorial Hospital. He suffered from a heart condition.

Mr. Amiss retired in 1965. He had started his baning career in 1924 with the old Washington Loan and Trust Co., and became its trust officer and assistant secretary. When it was consolidated with Riggs National in 1954, he was elected a trust officer of Rigg and became a vice president in 1963.

Born in Charlottesville, Va., Mr. Amiss attended the University if Virginia. He came to Washington in 1923 and earned a law degree at George Washington University while working at the Washington Loan and Trust Co.

He was a former chairman of the fiduciary section of the D.C. Bankers Association. He belonged to the D.C. Bar Association and the National Lawyer's Club.

Mr. Amiss had served for 14 years on the board of the D.C. Tuberculosis Association. He was a member of the Metropolitan Washington Board of Trade. A 33d degree Mason, he belonged to Almas Shrine. He also was a member of the Columbia Country Club.

He is survived by his wife, Edith H., of the home in Washington; three brothers, Glynn and Randolph, of Charlottesville, and Elmo of Lovingston Va., and two sisters, Clarice Wade, of Arlington, and Juanita Butler, of Charlottesville.