The Dow Jones industrial average fell 65.39 points from Friday's record close to end up Monday at 5,565.10. Today's trading was also below Friday's level at light 395.18 million shares. The NYSE composite index fell 3.99 to 346.95, the Standard & Poor's 500-stock index fell 8.62 to 650.46. The Nasdaq composite index fell 4.74 to close at 1,113.05 and the AMEX market value index fell 3.92 to 565.35. In London, gold closed at $399.95, up $2.20.