House financial disclosure forms released yesterday show that some lawmakers received large incomes last year from speaking engagements, outside businesses and investments and got gifts ranging from $3.75 coffee mugs to $20,000 in cash and tropical trips. One House member even won a costume contest.

Other lawmakers portrayed themselves as relatively modest, reporting no financial holdings and no income beyond their $89,500 House salaries.

Freshman Rep. James A. McDermott (D-Wash.) may not be rich, but apparently some of his friends are -- and they are generous, too.

McDermott listed a $20,000 cash gift from author Robert Fulghum and his wife, Lynn Edwards, of Seattle. The gift was "a personal act of generosity" on the part of Fulghum, who wrote the best-selling "All I Really Need to Know I Learned in Kindergarten," according to McDermott's spokesman.

Such a large cash gift is permissible because Fulghum has no direct interest in pending legislation, according to the McDermott aide.

By contrast, another member of the Washington state delegation, Rep. Jolene Unsoeld (D), reported receiving a variety of unassuming gifts, none more expensive than a commemorative plate valued at $50. The cheapest was a $15 set of four coffee mugs from CSX Corp.

Some lawmakers seemed to be trying to make a point of their modest means. House Banking, Finance and Urban Affairs Committee Chairman Henry B. Gonzalez (D-Tex.) attached a handwritten note to his form declaring, "Neither I or my wife or relatives to and beyond the tenth degree of consanguinity {there are many Gonzalez's} have any corporeal or incorporeal hereditaments through gift, devise or descent -- nor do I or spouse own stocks, bonds, or real or personal property. . . . "

Even as the House was voting to eliminate appearance fees as part of last year's overhaul of rules covering lawmakers' behavior, members were busily criss-crossing the country, and the world, to appear before industry groups and collect honoraria.

Under the current rules, House members may keep up to 30 percent of their congressional pay in honoraria -- $26,850 -- and no more than $2,000 from any single appearance. House leaders make larger salaries than other members and, therefore, may keep more honoraria.

Leading the House once again was Ways and Means Committee Chairman Dan Rostenkowski (D-Ill.), who picked up a record $285,000 in fees for 59 appearances. A wide range of industry groups and companies paid as much as $10,500 to hear from Rostenkowski.

Rostenkowski, an avid golfer, also reported receiving more than $1,000 in golfing equipment from four golf tournaments.

Rostenkowski gave $258,150 of the money to charity, keeping the maximum allowed.

In 29 instances, the groups and companies that acted as Rostenkowski's hosts also paid his air fare and lodging. The record Rostenkowski beat was his own, set in 1987.

The battle for second place was narrowly won by House Majority Whip William H. Gray III (D-Pa.), who collected $164,098 last year, giving $138,598 to unspecified charities and pocketing $25,500.

Gray, the House Democrats' chief vote-counter, reported taking 52 reimbursed trips last year -- an average of one a week. Philadelphia, his hometown, was the most frequent destination, but others included Jamaica and Bermuda for the Aspen Institute, Puerto Rico for RJR Nabisco and Florida for such groups as the Electronic Industries Association and Philip Morris.

Only $3,580.86 behind Gray was Rep. Patricia Schroeder (D-Colo.), who collected $160,517.14 in honoraria last year, gave $134,204 of it to charity and kept $26,313.14.

Election to a leadership post proved a boon for House Minority Whip Newt Gingrich (R-Ga.), who picked up $67,491 in honoraria last year, including $12,652 from the National Review magazine. That is up sharply from the $28,550 he collected in 1988.

Gingrich gave $40,704 to charity, keeping $26,787.

House Minority Leader Robert H. Michel (R-Ill.) took in honoraria totaling $49,300, keeping $30,300 and giving $19,000 to charity. Michel also reported accepting travel, lodging and $866 worth of golf equipment from five golf tournaments.

House Speaker Thomas S. Foley (D-Wash.) collected $32,000, giving $5,000 to charity and keeping $27,000. Foley also remained active in the stock market, reporting a profit of $26,462.50. Foley's stock portfolio was valued at $72,333 at year's end, according to his disclosure report.

The disclosure forms also show that the savings and loan crisis is beginning to hit home in the House. Rep. Jack Fields (R-Tex.) reported that he lost an unspecified amount of money when Humble Savings and Loan, in which he held 553 shares, failed.

In addition, Fields reported that a mortgage in his wife's name and valued at between $15,001 and $50,000 was now held by the Resolution Trust Corp., since its original holder, Century Savings, had failed.

In what might be called the "moonlighting" category, several members reported earning significant amounts of outside income besides honoraria. Rep. Marty Russo (D-Ill.) reported earning $25,000 from his law firm while Rep. Chester G. Atkins (D-Mass.) collected $17,307.50 from his part-time job as chairman of the state Democratic Party.

Rep. Harold Rogers (R-Ky.) had $19,325 in director's fees from a Kentucky bank and Rep. Jim Saxton (R-N.J.) reported $14,200 in real estate commissions.

Beginning next year, House members will no longer be able to earn money from professional services, such as law firms, or from serving as directors of companies.

Rep. Bud Shuster (R-Pa.) reported receiving $5,110 from an insurance company as part of an accident settlement. Shuster said this was the next to last payment of his share of $90,000 stemming from a lawsuit after his neck was broken in a 1982 car crash.

Rep. F. James Sensenbrenner Jr. (R-Wis.) reported receiving two nights of lodging from South Seas Plantation in Florida as a prize for winning a contest. He won the "Tacky Tourist" costume award at a conference of the Electronic Industries Association by concocting an outfit that featured a shark-snout bathing cap, according to Arlene Davis, a Sensenbrenner aide.

Several lawmakers reported receiving rugs and jewelry from Prime Minister Benazir Bhutto of Pakistan. Rep. Bill Richardson (D-N.M.) reported under "gifts" the loan of work from New Mexican artists. About $52,000 worth from the Institute of American Indian Arts Museum in Santa Fe decorates his district office there, while an $8,500 work is displayed in his Washington office.

Not all the lawmakers appeared to be taking the annual ritual of financial disclosure seriously. Rep. Andrew Jacobs Jr. (D-Ind.), for instance, included among his holdings his three dogs, each valued as "priceless."

Each dog was described as: "Housebroken: Non-liquid asset."

Staff writers Charles R. Babcock, Helen Dewar and Tom Kenworthy and staff researchers Ralph Gaillard Jr., Bruce Brown and Lucy Shackleford contributed to this report.