Anita G. Whitlock, 42, an assistant manager of a Riggs National Bank branch, has been arrested in the theft of $85,000 from a cash reserve vault at the abank's Dupont Circle branch, according to the U.S. Attorney's office here.

Wiflock, of 6500 44th Ave, University Park, was charged with embezzlement by a bank employee, according to Charles H. Roistacher, chief of the District Court grand jury section of the U.S. Attorney's office.

In the official conplaint that goes to a U.S. grand jury. Whitlock, who was an assistant cashier and assistant manager at the bank branch, is charged with placing $16,000 in a checking account at another bank, hiding $44,000 in cash in a bedroom closet at her home, and using the rest to repay debts.

Whitlock, a divorcee who lives with her retired parents, was released on $2,000 bond and faces a preliminary hearing before a U.S. magistrate Sept. 7. She is a 13-year employee of the bank.

Roistacher sid bank officials discovered on Aug. 12 that the money was missing from the vault, which can only be opened by a combination look and a key. Only five employees, including Whitlock, had access to the key, Roistacher said.

Roistacher said the complaint aleges that Whitlock took the money Aug. 4 after she learned the combination about two weeks earlier.

Vincent Burke, chairman of the Riggs board, said all the bank's money has been accounted for and added that it would be inappropriate to discuss the case further.