THE MARKETS

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Dow Jones industrial average down 21.05 points, closing at 3765.79 . . . N.Y.S.E.'s composite index lost 0.91 to 255.49 . . . NASDAQ stock fell 1.28 to 719.97 . . . American Stock Exchange declined 1.39 to 443.55 . . . Gold gained $3.70 to $380.80 on the Commodity Exchange in New York . . . The 30-year Treasury bond closed with a yield of 7.49 percent, up from 7.40 late Wednesday.