The Boston Globe du lieu suivant : Boston, Massachusetts • 1

VOLUME 239 NUMBER 2 68 pages 35 cents FACTORY 2D Wednesday: Mostly cloudy, i045 Thursday: Sunny, 25-80 High tide: 11:57 a.rn Full report: Page 30 WEDNESDAY, JANUARY 2, 1991 Accord HI. shuts 45 banldng outlets Governor acts as private insurance fund nears depletion today By Ross Sneyd ASSOCIATED PRESS in Ibroad. plan lor accounts in the affected institutions. All but two already have applied for federal insurance and the two exceptions are "not significant" because they essentially are inactive, the governor said. The other 38 banking institutions in the state, which are insured by the Federal Deposit Insurance Corp.

and the National Credit Union Administration, "will remain open," RHODE ISLAND, Page 20 state of Rhode Island," Sundlun said at a news conference. "I expect we will be able to reopen some of the institutions within a very short period of time." He pledged to work "nonstop to finalize a plan to protect their assets." The 45 banks and credit unions, which have a total of $1.7 billion on deposit, will not be able to reopen until they obtain federal deposit insurance. There are roughly 300,000 Mb fair loiisiii PROVIDENCE Gov. Bruce G. Sundlun, just three hours after being sworn in, yesterday ordered the closing of all banks and credit unions covered by a private insurance fund nearly depleted by an insolvent member.

"I have taken this action now as quickly as possible in order to protect depositors and taxpayers of the By Steve Marantz GLOBE STAFF 4 in a prepared statement. Dianne Wilkerson, legal counsel for the NAACP, characterized the agreement as an "unprecedented blockbuster" because of the amount of money involved. "This is a very big one," said Wilkerson. "Not only for the NAACP and the city of Boston but for the entire country. No other housing case in the country has qualified for this kind of money.

"This is about access. This is about widening the pool of available housing to blacks and Not only in the city but in the whole area." Federal funds stemming from the decree will provide an additional 500 Section 8 rental subsidy certificates for Boston residents over the next 15 years, officials said. However, the certificates may be used for units outside of Boston, officials said. Another $2 million in cash over the next four years will be provided. HOUSING, Page 23 a Federal housing officials are expected to announce today historic agreements with the NAACP and Flynn administration that increase access for minorities to white neighborhoods and bring nearly $450 million in new housing assistance funds to Greater Boston over the next 15 years.

The agreements will take the form of a 16-page consent decree to be presented to US District Judge Walter Jay Skinner, whose 1989 ruling, stemming from a lawsuit by the NAACP, mandates increased housing access for minorities in Greater Boston. The NAACP and the US Department of Housing and Urban Development will be the signatories of the consent decree. A separate settlement agreement will be signed by the Flynn administration, NAACP and HUD. i DAVID FORSBERG HUD official halls "victory" "Lawsuits are always difficult and it is important for us that we are able to turn what was essentially a negative event into a victory for fair housing in Boston," David Forsberg, HUD's regional administrator, said luayle says troops ready A US attack by mid-January is called feasible Congress rent by deep divisions on gulf policy T- Feeling lash of the Saudis' Islamic law By Colin Nickerson GLOBE STAFF RIYADH, Saudi Arabia -The woman, an instructor of biochemistry at a Saudi university hospital, was at a bookstall standing tiptoe to reach a volume on a high shelf when she felt a light sting on her ankle, more startling than painful. She turned to find herself confronted by two frowning young men, one waggling a small camel-hide whip used on minor violators of moral standards.

They were mutawain, Saudi Arabia's ubiquitous religious police, and her offense -committed by stretching for the book was revealing a few inches of flesh below the hem of her "abaaya," the shapeless black cloak that, with black veil, garbs Saudi women. As she protested, the mutawain sharply demanded her name and the name and address of her father or "responsible male." Then he let CULTURE, Page 12 By Colin Nickerson GLOBE STAFF DHAHRAN, Saudi Arabia Vice President Dan Quayle, ending a three-day visit to troops in the Persian Gulf region, indicated yesterday that conflicting views on the US military's readiness to wage war against Iraq have been resolved, and that forces are prepared to attack, if necessary, in 14 days. Quayle said he has been assured by the American military hierarchy in Saudi Arabia that US fighting forces "are ready, willing and able to do what needs to be done." During his tour of warships and remote desert bases, Quayle was escorted by Lt. Gen. Calvin A.H.

Waller, who told reporters last month that US forces gathering in the region would not be able to stage a full-scale assault against Iraqi positions until at least February. That contradicted statements by President Bush and some Pentagon leaders that US-led multinational forces arrayed against Iraq would be fully prepared to go on the attack by Jan. 15, the date after which the UN Security Council has authorized force to evict Iraq from Kuwait. GULF, Page 12 By Michael Kranish GLOBE STAFF WASHINGTON Congress, after being sidelined in the Persian Gulf crisis since it adjourned on Oct. 28, returns to town briefly tomorrow, bitterly divided over whether to support President Bush's policy at a time when he is pressuring Iraq to withdraw from Kuwait by Jan.

15. Despite an impression that the gulf crisis has separated politicians along party lines, there are deep divisions on policy within both parties. It is far from certain whether Bush can win congressional support for a resolution authorizing the use of force against Iraq. Many Democrats oppose the use of force until economic sanctions have been given a year to 18 months to work. The House Democratic leader, Richard A.Gephardt of Missouri, has said that if Bush goes to war without congressional approval, Congress would "certainly take up a funding resolution" that could cut off the Pentagon's money.

Democrats are not united on the issue, however. While 110 House Democrats wrote Bush recently urging him to try the sanctions policy, CONGRESS, Page 16 nnr ctalx Durvrn maum tAii criM CKRiSTMAS SKATES ZftZe Gagnon, heads for a crash landing after letting go of wuiinifj i Honor rolls Inside food: Pizza preeminent Legislature sees new faces, forces child's way Man killed in Boston: The year of murder was over when the first of '91 occurred. Page 17. By Renee Loth GLOBE STAFF Suffolk gives scholarship to homeless 9-year-old By Gloria Negri GLOBE STAFF FEATURES CLASSIFIED Ask The Globe 32 Classified 42-50 Business 69 Autos 46 Comics 32-33 Help Wanted 45 Deaths 22-23 Real Estate 43 Editorials 14 Apartments 43 Horoscope 32 Comm'VInd'l 43 LivingArts 35 Market Basket 46 Lottery 18 YachtaBoats 55 Sports 51 Learning 29 TVRadiO 31 Globe Newspaper Co. Colorado on top: Colorado solidified its claim to the national college football championship with a 10-9 victory over Notre Dame last night in the Orange Bowl.

Yesterday's bowl results are: Orange Bowl Colorado 10, Notre Dame 9 Citrus Bow Georgia Tech 45, Nebraska 21 Sugar Bowl Tennessee 23, Virginia 22 Gator Bowl Michigan 35, Mississippi 3 Hall of Fame Bowl Clem son 30, Illinois 0 Cotton Bowl Miami, Fla. 46, Texas 3 Fiesta Bowl Louisville 34, Alabama 7 Rose Bowl Washington 46, Iowa 34 Details, 55-57 A Gov. Dukakis today will swear in a new Massachusetts Legislature with a starkly different look from that of the recent past. The 177th seating of the General Court includes 57 new members, the largest number of freshmen since 1978. And because of the political sea change in the 1990 elections, the new Legislature will feature Republicans in the unfamiliar position of upholding their governor's actions and Democrats seeking ways to reassert their power amid fears of slippage in their party's 40-year legislative hegemony.

In the Senate, President William Bulger (D-South Boston) faces a reelection challenge not just from the standard Republican opponent but from at least one Democratic newcomer, James Jajuga (D-Methuen), who was elected on a platform of Senate reform. "I think Wednesday is going to be an important first skirmish for people who would like to see the LEGISLATURE, Page 9 Nine-year-old Zakia Cox, who has done her homework and worked hard in school in spite of being homeless for the last year, may fulfill her dream of some day becoming a doctor or a lawyer after all. Suffolk University announced yesterday that it has granted Zakia a full, four-year scholarship, providing she finishes high school with a average, on the basis of a story about her that appeared in The Boston Globe on Dec. 23. In a telephone interview yesterday, Marguerite Dennis, dean of enrollment and retention management at Suffolk University, said she decided to approach the university about a schol- 01 346 ZAKL4 COX Excels in studies arship for Zakia after reading the story of the child's determination to continue with her schooling as an outstanding student at the Charles Sumner School in Roslindale.

"It is not often that people are given the opportunity to do what is right and to give some- COX', Page 30 947725.