THE MARKETS

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Dow Jones industrial average down 3.88 points, closing at 3913.42 . . . N.Y.S.E.'s composite index lost 0.11, to 261.99 . . . NASDAQ stock fell 1.22, to 756.24 . . . American Stock Exchange rose 1.65, to 454.34 . . . Gold gained $0.20, to $386.30, on the Commodity Exchange in New York . . . The 30-year Treasury bond closed with a yield of 7.45 percent, down from 7.46 late Tuesday.