Three Northeast Washington men, described by District police as suspected ringleaders of an organization that recruited teen-agers to rob banks, were arrested yesterday and charged with the armed robbery of a Georgetown bank, authorities reported.

Police identified the three as Stanley and Bradley Holmes, 27-year-old twin brothers, of 4404 Quarles St. NE, and Lewis Blakney, 21, of 4343 Ponds St. NE.

Sgt. Edward Dory, head of the bank squad in the robbery branch, said the suspects already were under investigation in about 17 bank robberies committed by teen-agers between last May and the end of October.

Investigators said that teen-agers were recruited at their Northeast public housing project and persuaded to rob downtown banks. The youths were trained in robbery techniques, driven to banks and given holdup notes to present to bank tellers, police said. The youths, ranging in age from 14 to 16, then brought the loot to adults who paid them $50 to 135 each for their crimes, according to police.

Police have arrested four juveniles, two of them females, and two adult men since May in connection with the scheme.

Yesterday's arrests of the three suspects followed a holdup of the National Savings and Trust Company branch at 2929 M St. NW.

According to police, three men, one of whom was armed with a handgun, walked into the bank about 9:45 a.m. and demanded money. As the robber pointed the handgun at customers and tellers, the two other robbers took cash from the tellers' counters.

The men then fled with an undertermined amount of cash, police said. A tow-truck driver for the city's Department of Transportation saw three men fleeing the bank, watched them get into a car and radioed the description of the car to his dispatcher, who alerted police.