Charles J. Williams, 65, a retired Air Force colonel and the founder and president of Town and Country Paint and Wallcoverings, Inc., died of cardiac arrest Sunday at Fairfax Hospital.

Col. Williams, who was born in Merrillan, Wis., first came to Washington in 1935. He worked for the Ginn office supply company here until 1942, when he joined the old Army Air Corps. He saw World War II service as a bombardier stationed in England.

His post-war career in the Air Force was largely in intelligence. His duty stations included Washington, Hawaii, Germany and Vietnam. From 1971 until his retirement a year later, he was assigned to the Defense Intelligence Agency. In the course of his career, he earned a bachelor's degree in accounting at the University of Maryland and a master's degree in military science and accounting at the same institution.

Col. Williams, who lived in Vienna, began his paint and wallcoverings firm the year he left the service and continued to head it until his death. The company has retail outlets in Fairfax, Reston and Burke.

Col. Williams was a member of the Holy Comforter Episcopal Church in Vienna.

Survivors include his wife, Mary of Vienna; a son, Charles L. of Alexandria; two daughters, Christina Payne of Vienna, and Suzanne Hargis of Dallas; one sister, Mrs. Marvin Olson, of Luck, Wis., and four grandchildren.