The latest batch of Monday Morning Quarterback letters indicates that some federal workers are hot under the collar. Reasons range from the slow pace of early- retirement legislation to fears about the future of the new tax-deferred investment program and the weather.

If you were fortunate enough to have a long Independence Day weekend, welcome back and take a look at what some of your friends and neighbors are saying:"It's no surprise that federal workers are reluctant to join the thrift savings plan or the new FERS retirement program. Even though supervisors (like me) have encouraged their people to join, and agencies have adequately publicized the programs, many are skeptical. Their reasons:

"Most say they are stuck with individual retirement accounts which 'they,' meaning Congress, have made less attractive. Now 'they' (Congress) are taxing our already-taxed retirement contributions. What is to prevent 'them' (again, Congress) from changing the laws and using or taxing our thrift savings plan or changing the FERS program any way they see fit?

"In short, even though the thrift plan and FERS offer some of the best deals to come along for some time, federal workers simply don't trust Congress to keep its promises. Congress gave itself an automatic pay raise and will probably let the government payroll dry up, again, by failing to fund agencies before the end of the fiscal year. Any wonder we are suspicious?" F.T.S., Suitland

"Our new thrift investment plan, allowing us to invest 10 percent and get a matching 5 percent tax-deferred gift from the government, appears to be the best such plan in the nation. But as federal workers we have to ask, 'How long will this last?' Congress gutted the individual retirement account (IRA) program in the recent tax reform bill. How long before Congress forgets the purpose of the thrift plan and reduces it, or takes away its tax-deferred benefits?" D.M.C., Arlington

"I fully support Sen. William V. Roth's (R-Del.) early retirement bill. I've been a fed for 29 years, about half that time with the Bureau of Mines. At least half of the professionals I've spoken with would jump at the chance for an early out. The reason generally cited is low morale and the difficulty of changing jobs after so many years here. No one I've spoken to plans to respond to Sen. Roth, however, for fear of trouble from management if they found out." Anonymous Long-Timer

"I understand that your reports on the Roth early-retirement bill have been denounced by some federal unions that oppose the legislation, because they fear they would lose members. Please urge Sen. Roth to keep pushing, and please keep us informed of the status of this bill. Unions are supposed to represent their members, even if it costs the union. Some of them appear to have lost track of their basic function, to protect the troops." C.H., Silver Spring

"What is the government dress code during Washington's infamous summers? Government buildings are not state-of-the-art in terms of design or air circulation. My modest desire is to remove my tie, but I find no rule or guideline to protect me against rigidity. What about productivity? I know thousands are asking the same questions. Could you find a dress code rule and publicize it?" R.M.C., Arlington

{The Office of Personnel Management says each agency controls its dress code. During an oil crisis, OPM set its own let-common-sense-be-your-guide code and urged other agencies to loosen up where appropriate. If OPM decides on a summer dress policy, or some agency has one that works, we'll let you know.}