A 90-year-old man and his 89-year-old wife were fatally injured yesterday when their car veered across M Street in Georgetown and smashed into the side of a town house.

Aubra Harding, the driver, and her husband, Raymond Harding, of the 2200 block of 46th Street NW, died shortly after the 12:30 p.m. accident, police said. The accident occurred in the 2900 block of M Street NW in heavy midday traffic, but there were no other injuries.

The Hardings' 1981 Oldsmobile, traveling east on M toward 30th Street, swerved out of control, crossed westbound lanes, jumped the curb and smashed into the brick wall of an building at 2919 M St. NW.

Harding was pronounced dead at George Washington University Hospital at 1:16 p.m., his wife at Georgetown University Hospital at 1:25 p.m.

Police said they did not know why Aubra Harding lost control of the car, but speculated that she may have lost consciousness at the wheel.

Mrs. Harding, a retired Internal Revenue Service employe, drove for the two of them because her husband, a retired government lawyer, had had a serious heart operation a few years ago. They had been married for more than 50 years.