There are adult communities such as Leisure World in Olney and Crestwood in Fredericksburg, Va., designed for people over 50 years old. Both are complete with recreational facilities and easily accessible health care facilities. However, they are not considered "retirement" communities.

The following is a list of some area retirement and health care facilities with apartments or cottages, indicating the type of housing unit, affiliation and financial arrangements. References to a "life care" program indicate that residents pay a founder's fee and buy residency and health care for life.

Goodwin House, Alexandria, 703-578-1000. High rise, Episcopal affiliated, life care program.

Westminster Canterbury Homes, Richmond, 804-264-6285; Lynchburg, 804-386-3500; and Virginia Beach, 804-460-4434. High rises, Episcopal and Presbyterian affiliated, life care program.

Broadmead, Cokeysville, Md., 301-628-6900. Individual cottages with large central facility, Quaker affiliated, life care program.

Fairhaven, Sykesville, Md., 301-795-8800. Campus layout, Episcopal affiliated, life care program.

Thomas House, Washington, D.C., 628-2092. High rise, Baptist Home of D.C., limited life care program.

Friends House, Sandy Spring, Md., 924-5100. Cottages, apartment house, nursing home, Quaker affiliated, month-to-month rental.

National Lutheran Home, Rockville, 424-9560. Nursing home, with cottages under construction to be available late this year, comprehensive home care program.

Hermitage of Northern Virginia, Alexandria, 820-2434. High rise, Methodist affiliated, life care program.

Washington House, Alexandria, 379-9000. High rise, life care program.

The Virginian, Fairfax, 385-0555. High rise, life care program.

The Asbury Methodist Village, Gaithersburg, 926-4900 ext. 317. Apartment living, domiciliary living health care center.