Thoughts about ferrying troops, arms and supplies to Saudi Arabia were briefly put on hold at Andrews Air Force Base yesterday while newly activated reservists drew up wills and figured out how to keep up with the mortgage.

In a two-hour briefing at Andrews yesterday, the 160 members of the 756th Military Airlift Squadron asked what Gen. Larry Bates, the unit's commander, called "the hard questions" about what happens to their families and finances now that they have moved up to active status for at least 90 days.

"They always tell you to get that stuff in order because you never know what's going to happen," said Capt. Karen Argubright, one of two female C-141 transport plane pilots called up.

Argubright, 30, who lives in Alexandria and served seven years on active Air Force duty, is now a pilot for Federal Express. She said she got her affairs in order just before reporting to the Air Force base in Prince George's County.

"I sat down with my sister before coming out and went over my will, the credit cards, all the phone numbers," she said. "This time, it's not just a paperwork hassle."

The pilots, flight engineers and loadmasters of the 756th have been into Andrews since Thursday, when they were called up to help fly supply and transport missions to Saudi Arabia and maintain planes as part of Operation Desert Shield.

Yesterday, several more local Army and Naval reserve units were alerted that they will be called to active duty this week, joining 1,000 reservists from Virginia, Maryland and the District who already have been notified.

A number of area Naval Reserve units are headed to National Naval Medical Center in Bethesda to help replace 1,100 doctors, nurses and other medical personnel who left for the Middle East this month on the hospital ship USNS Comfort.

The naval hospital has been told to expect 450 to 500 reservists -- primarily doctors, nurses and hospital corpsmen -- sometime this week, said Lt. Cmdr. William W. Clyde, a Bethesda hospital spokesman.

"We are on the rebound," Clyde said, adding that the hospital is increasing its surgery load and reopening some wards that were closed because of the deployment.

Also added to the call-up list were the Naval Reserve Military Sealift Command, which provides sealift support, and Naval Reserve Naval Control of Shipping Europe 206, both based in Anacostia.

Ninety-five transportation specialists from three Maryland units were ordered yesterday to report to a reserve center in Baltimore at 8 a.m. tomorrow, said Lt. Col. Sue Dueitt. Two transportation detachments, with a total of 16 reservists, were ordered to report to their reserve center in Hampton, Va., said a Fort Belvoir spokeswoman.

At Andrews yesterday, Capt. Kurt Wolfgang, a pilot who is a lawyer in Prince George's, was trying to get his fellow reservists squared away legally before the work of war begins this morning.

"For now, I'm not doing any lawyering, but I just told the guys that I'd start doing wills and powers-of-attorney upstairs in a few minutes," Wolfgang, 34, said.

Sgt. Robert Brining, 34, was one of Wolfgang's clients during the impromptu legal session.

"I'm married, but I haven't got a will," said Brining, who lives in Burlington, N.J. "I may be flying out tomorrow, so I want it today."

Brining, a flight engineer for the Air Force, is an insurance salesman in civilian life who also does home improvements, and his businesses can't go on while he's away.

"I'm self-employed, and I'm losing all my customers," he said. "Right now, it's wiping me out." Brining estimated his Air Force pay at one-third of his regular salary.

Pay for active duty varies according to rank, experience and duties, but several reservists said salaries would range from $2,000 a month to about $4,500 a month for the pilots.

Officers emphasized that almost all credit companies will permit delayed or reduced payments while a reservist is on active duty, but several people still expressed concern.

"It hurts. It's a lot less than half my regular salary," said Capt. Jim Kochevar, a pilot for USAir who lives in Pittsburgh. "It's going to cost some bucks."

"But it's payback time," he added. "The Air Force trained me, and they're here when we need them, so we should be here when they need us." Commercial pilots who occasionally get laid off or furloughed often fly for the 756th during those periods, Kochevar said.

"My {law} practice is gone as of now," Wolfgang said. "I've spent the last week giving my cases away to other attorneys."

He said his clients had been understanding about his military obligations. "I had to have some cases continued, but everyone down to the last one was very supportive. But that doesn't mean I get my fee."

But now the work of keeping transport planes ready and in the air begins, at least for the next three months.

"A neighbor came by and said they'd look after my wife, and I told her to put the flag out," said Kochevar. "We're going to be working some pretty long days."