Richard S. Lawton, vice chairman of the board of Perpetual American Federal Savings and Loan, will kick off the Northern Virginia Apartment Association's dinner meeting series Monday with a talk on the latest changes in the financial markets and impact on the apartment industry. For information, call 671-6777 . . . The Community Housing Resources Board Inc. will hold a housing breakfast Jan. 25 in Rockville, featuring a talk by Joseph W. Rogers Jr. of Banco Mortgage Co. on "current and future aspects of housing finance." For information, call 424-1668... The Washington Metropolitan Chapter of the Community Associations Institute is holding a meeting to discuss "getting the most for your dollars from contractors." The program is aimed at helping condo and other owner associations obtain supplies and services they need. For information, call 684-8654... The Northern Virginia Builders Association has started a two-year apprenticeship program in concrete-poured-wall foundations. For information on the NVBA apprenticeship program, call 893-6800... The Urban Land Institute is sponsoring a half-day workshop on development issues in the Washington area. It will be at the Mayflower Hotel Feb. 9, and the fee is $25 ($20 for public officials and staff). Call Douglas Porter at 289-8500 or John Delaney at 588-8580 . . . Washington Gas is offering a free consumer guide to low-cost energy conservation. The company says that, in some cases, suggestions in the guide can cut residential energy use by as much as 30 percent. Call 750-1000.