One person was killed and five were injured yesterday in a seven-vehicle chain-reaction accident on the Woodrow Wilson bridge that started when a truck carrying cinder blocks hit a car, Maryland State Police reported.

The 1:15 p.m. crash spilled cinder blocks across all lanes of the bridge and backed up traffic for more than five hours. During the evening rush hour, cars were lined up along the Capital Beltway for five miles in Maryland and two miles in Virginia.

Killed was Cheryl Jugan, 22, of Pittsburgh. The injured, in other vehicles, were identified as Frances Bonham, 31, reported in fair condition at Alexandria Hospital; Frederick Etheridge, 58, and his wife, Catherine, 56, of Willingboro, N.J., in good condition at Greater Southeast Community Hospital; and Michael Davis, 32, of Oxon Hill, treated at the same hospital and released.

The truck driver, Ronnie Arnold, 21, suffered minor injuries but was not taken to a hospital, according to police. He was charged with failing to reduce speed, driving an overweight vehicle, failing to drive in the designated lane and driving with a suspended driver's license.

State police said the truck first ran over Jugan's car, which burst into flames. A police spokesman said the vehicle was "burned beyond recognition."