*Old Court S&L, Merritt Commercial S&L: These thrifts are under state conservatorship and consumers can make no withdrawals.

*Community S&L, First Maryland S&L: Community is under state conservatorship and withdrawals have been frozen for 45 days as of Sept. 6. At First Maryland, the state has frozen withdrawals for 60 days as of Aug. 23. The exceptions at both thrifts are: (1) direct deposits by third parties -- federal checks, payroll checks and Social Security; (2) transfers of funds within an association to pay debts to the association; (3) construction and real estate loans if such payments "will protect or enhance the value" of the association's assets.

*Other restricted institutions (21 other savings and loans): Withdrawals are limited to $1,000 a month, per account, with the following exceptions: (1) general escrow accounts, such as those used by lawyers; (2) payroll accounts; (3) real estate escrow accounts, including those used by prospective home buyers to set aside down payments for new homes; (4) accounts held by businesses in which an S&L has a holding; (5) persons over age 65 who need funds for medical care as well as other persons who need funds for medical emergencies; (6) tuition payments if they fall due while the executive order is in effect and alternative funding cannot be found; (7) payments for insurance premiums, "ground rent" (a state-sanctioned mortgage arrangement similar to a 99-year lease), condominium fees and property taxes (these exemptions apply only to so-called "expense accounts," special funds that are used solely for payment of loans or specific expenses such as condominium fees or ground rents); (8) transfers of funds within an association to pay debts to the association; (9) construction of a residential dwelling; (10) payment of state, local and federal taxes.