The former manager of a Fort Belvoir bank was indicted yesterday on charges that he embezzled $348,000 from the bank during a three-year period with the help of another bank worker.

A federal grand jury in Alexandria accused Wesley B. Brown, now an automobile sales manager, of taking the money from a United Virginia Bank-National branch through a scheme that involved delays in processing customer deposits, transferring monies to various deficient accounts and manipulating the bank's books.

U.S. Attorney William B. Cummings said yesterday that federal officials are not certain of what happened to the money.

Charles Douglas Rose, another former UVB employee, was named as an unindicted co-conspirator in the alleged scheme. Rose pleaded guilty last year to embezzlement and was sentenced a year in prison, Cummings said.

After Rose was charged, Brown fled the country, Cummings said. He recently returned after "he ran out of money," Cummings said. "He figured he'd rather take his lumps. He was probably tired of being on the lam."

Brown was charged with five counts of embezzlement and faces a maximum penalty of 2 years in prison and a $30,000 fine. The indictment alleges that he received all the proceeds of the scheme and that Rose, who supposedly made false entries in the bank's ledgers, never got any of the missing money.

The indictment said the day before a bank audit the two men entered the bank, took money from a night depository and credited the monies to various accounts, concealing shortages they had caused earlier in those accounts.