The Dow Jones industrial average fell 14.09 points to close at 5,655.42. Trading was heavy at 408.99 million shares. Market indexes were generally lower, with the Standard & Poor's 500 composite down 1.71 at 649.98. The NYSE Composite fell 0.35 to 348.20, and the Nasdaq composite dropped 10.68 to 1,101.82. But the American Stock Exchange's market value index rose 2.70 to 567.27. In London, gold closed at $395.25 up $0.25.