Three Washington area women - two elderly widows of Army officers and a Pan American stewardess - were among the estimated 576 persons killed or missing Sunday in the collision of two jumbo jets in the Canary Islands.

Wilma Achatz, 82, and Charlotte Baldwin, in her mid-80s, both of whom lived at the Army Distaff Hall at 6200 Oregon Ave. NW., were among the passengers who died in the crash. Aysel Sarp, of 1220 N. Pierce St., Arlington, one of 16 crew members of a Pan American 747 jet involved in the collision, was reported missing and presumed dead.

Mrs. Baldwin, a longtime tenant at the resident for widows of Army officers, had joined the Pan American flight in New York, along with Mrs. Achatz, to surprise a friend, Helen Ames, a retired McLean elementary school teacher who had moved to Anaheim Calif., two years ago, according to Vaughn McDonald, Mrs. Baldwin's son.

Mrs. Ames, who had boarded the flight on the West Coast, also was killed in the crash. The three women were booked for a Mediterrean cruise.

"She was a real travel nut," McDonald said yesterday of his mother, who has worked as a part-time travel agent and consultant to the Security Travel Agency in Washington.

"She was like somebody 60," McDonald said. "She was alive and witty - really remarkable for her age." He estimated that his mother had traveled to Europe 50 or 60 times in the past.

A native of Vermont Mrs. Baldwin had come to Washington with her second husband, a geological engineer, in 1938. Her first husband, McDonald's father, was a physican in the Army who had served in the Spanish-American War, McDonald said. Mrs. Baldwin was also very active in the DAR.

She is also survived by another son, Peter McDonald.

Mrs. Sarp, 30, a native of Zanguldak, Turkey, was one of nine crew members of the Pan American plane apparently killed in the crash. A graduate of Rider College near Trenton, N.J., she joined Pan American in 1972. Her parents live in Ankara.

Mrs. Achatz, a longtime Washington resident, was a native of Hartford, Conn. She had no immediate survivors.