A D.C. policewoman was arrested yesterday and charged with embezzlement after she allegedly cashed five checks totaling $1,300 from the 1st District police station social fund.

Police officials said the woman, Virgie Theresa Smith, 29, a five-year member of the force, had failed to report for work for five days before turning herself in yesterday to the Internal Affairs Division of the force at police headquarters.

Smith, a clerk in the 1st District administrative office, was suspended without pay pending a court hearing.

According to a court affidavit filed with a warrant for her arrest, Smith failed to report to work on July 13. Lt. Melvin L. Clark, chairman of the social fund, reported that he checked with the fund's bank, Union First National at 415 4th St. SW., and learned that five checks had been made out to Smith and signed by her but had not been cosigned by Clark as required. Smith is treasurer of the fund.

The social fund is supported by profits from vending machines in the 1st District building. Some 1st District officers said a picnic to be paid for out of the fund and scheduled for August had been canceled. There is no public money in the fund, police officials said.