William J. (Buck) Howard Sr., 92, a native Washingtonian who owned and operated a Ford dealership on Capitol Hill for years, died Saturday at Sibley Memorial Hospital. Mr. Howard had suffered a thrombosis.

Mr. Howard, a third-generation Washingtonian, owned and operated Howard Ford, one of the area's first Ford dealerships. He supplied automobiles for parades during the early years of the Roosevelt administration and was responsible for implementing an easy-payment credit plan for outomobile purchasers during the depression through a personal note system on which he claimed no creditor ever defaulted.

Mr. Howard was one of the original owners of the Social Club, whose property in Arlington later became the-Army-Navy Country Club.

He was a member of the Knights of Columbus, the Holy Name Society, and the SOCIETY of Oldest Inhabitants of Washington. He was a member of the Blessed Sacrament Church for 53 years, and was selected at the age of 89 to serve as extraordinary minister of the eucharist.

Survivors include his wife, Edna Hillyard, of the home in Washington; a son, William J. Jr., of Rockville; two daughters, Mary Edna Romeo, of Washington and Carol Valentine, of Upper Montclair, N.J., a brother Louis J., of Silver Spring; nine grandchildren and one great-grandchild.