THIS WEEKEND, area rock clubs are offering double and triple bills of America's independent-label punk and rock bands. Here are some program notes on five featured groups. THE DESCENDENTS -- "Enjoy!" (Restless 72158-1). If any punk band besides The Ramones can be called clever and charming, it's this Southern California quartet. The Descendents, who play Friday night with Dag Nasty at the Complex (1239 9th St. NW), feature a sparse and jumpy punk sound that isn't ashamed to embrace enough romance and melody to veer into pop. If the Descendents have a heart, they also have a knack for adolescent nastiness and humor, and in "Sour Grapes," they turn with wicked glee on the girl who rejected them. The taut playing and goofy honesty on "Enjoy!" are a welcome relief from the moralizing and emotional flagellation that characterize most American punk records. DAG NASTY -- "Can I Say" (Dischord 19). This local band is further evidence that D.C.'s hardcore bands have worked themselves into a stylistic corner and, rather than looking for a way out, are just beating their heads against the wall. The unrelieved self-consciousness of the band's lyrics, the tunelessness of the songs, and Dave Smalley's characterless yelling are a quick ticket to monotony. Despite this, the band does play hardcore with physical authority, especially guitarist Brian Baker with a few majestically sculpted solos. POP ART -- "Long Walk to Nowhere" (Stonegarden SGN115). Pop Art's second album fleshes out the sharp folk-pop sound of the group's debut with more robust rock rhythms and electric guitars. At times, there is a touch of folksy self-righteousness in David Steinhardt's affected vocals, and his lyrics are sometimes just too smart, becoming condescending or precious. However, this California quartet, which plays at the East Side Saturday night with E-I-E-I-O, has a real flair for carefully crafted pop, blending electric and acoustic guitars and kinetic rhythms into music whose melodic turns come in dizzying profusion. DOCTOR'S MOB -- "She Said" (Wrestler WR1186). There are only three songs on this EP, but they are compelling proof that this is one of Austin's finest bands. The group -- which plays at the East Side Sunday night with fellow Austinites The Wild Seeds -- shows its approach most clearly in its rendition of the Beatles' "She Said, She Said." Like the two original songs here, "She Said, She Said" is granted a dark and intense cover of ringing and droning guitars that makes you search for the song itself. The search is worthwhile because, as intense and dark as the sound is, it is much more than just fashionable atmosphere. THE WILD SEEDS -- "Big Moon" (Wrestler). A four-song EP as eclectic as this one makes it hard to pin down the Wild Seeds' intentions outside of making good rock 'n' roll with a taste for '60s styles. Sandwiched between a tough garage rocker and a skipping piece of ska are two winsome slices of pop rock. That's not all. The Seeds' pop finds room for a little country picking and folk strumming, leaving the impression of a talented group bursting with ideas.