Two charter buses, one loaded with tourists heading for the Mormon Temple in Kensington, collided on rain-slick Jones Mill Road yesterday morning, injuring 38 passengers.

A bus from North Carolina had just dropped off its passengers at the Mormon Temple when it failed to make a curve on the narrow road at 5:15 a.m., and collided with a bus carrying 40 passengers from New Jersey who were headed for the temple.

Police said the driver of the empty bus, Ira Monroe Overcash Jr. of Statesville, N.C., was trapped for almost an hour before being freed by rescue workers. He was admitted with multiple fractures to Suburban Hospital, police spokesman Cpl. Phillip Caswell said.

Caswell said, "It's a very narrow road to begin with. It's difficult enough for two cars to pass on that road, let alone two charter buses."

The driver of the passenger-filled bus, Stephen Paul Zydon of Hopat cong, N.J., was treated for several hours at Holy Cross Hospital for cuts and bruises and was released.

Suburban also admitted a 58-year-old man identified as Jan Tenhoeve, who required surgery for internal injuries and was listed in critical but stable condition. Another passenger, Donald Engstrum, 50, suffered a broken leg in the accident and was released, Suburban nurse supervisor Mary Ellen Pomorski said.

Holy Cross Hospital admitted only a man identified as William Yatman, 69, of Bloomingdale, N.J., for a broken nose and facial cuits. Holy Cross treated 20 of the 38 persons injured.

The rest of the passengers on C&J Transit Co., bus from Rockaway, N.J., were treated for facial cuts and bruises and were released. CAPTION: Picture, Rescue workers remove injured driver from one of two buses that collided. Police said collision occurred on narrow, rain-slick road in Silver Spring area. By Steve Elsen