About 20 acres of the 800 acres of forest in Anne Arundel County that have been cleared of trees for development have been replanted, despite a law requiring that an equal number of acres be replanted.

"We need a lot more cooperation and a much more serious attitude about this," said the sponsor of the law, Sen. Gerald W. Winegrad (D-Annapolis).

The 1989 Tree Replacement Act requires that each acre of forest removed by a state agency or with state money be replanted at the same site. If adequate space cannot be found on a work site, the law requires an agency to pay the state Department of Natural Resources (DNR) $500 for every acre of lost forest. The money then is used to replant trees on other public land in the county where the trees were chopped down.

State foresters admit they are not sure where and how they will plant the other 780 acres.

The State Highway Administration, which removes the most trees of any state agency, pays the $500 per acre fee up front and then replants as many trees as possible on sites once construction is completed, said Charles Adams, SHA landscape division chief.

The size and complexity of highway projects make it almost impossible to plan reforestation before construction work begins, Adams said.

State officials said it takes time and planning to implement such a comprehensive law.

"I don't think anyone knew the magnitude of the work involved or the amount of trees that were coming down. And right now we just don't have the staff to handle the load," said John Jastrzembski, a state urban forester in Anne Arundel County.

Although the DNR intends to reforest about 200 acres in Anne Arundel County next spring, by far the largest re-greening effort there to date, state foresters have not found sites for all the new trees.

The situation is complicated by a shortage of foresters. A state hiring freeze came two weeks before the department was to interview candidates for five additional forester jobs, Jastrzembski said.

Maryland's attorney general has ordered a Pennsylvania firm to refund fees to about 6,000 state residents who bought memberships in resorts under allegedly misleading promotions, officials said this week.

The firm Outdoor World of Bushkill, Pa., is accused of luring thousands of Marylanders to visit its campgrounds with false promises of valuable prizes, then pressuring them into buying memberships.

Maryland Attorney General J. Joseph Curran Jr. said that about 6,000 Marylanders signed contracts to pay as much as $9,000 to Outdoor World's campgrounds in Pennsylvania and Virginia. Curran said they are entitled to refunds because of deceptive promotional practices.

But Outdoor World officials disputed Curran's contentions.

"The company is appealing the attorney general's decision because it's unfounded. We are also in pending litigation against the state of Maryland in federal court {on similar issues}," said Bruce Morgan, general counsel for Outdoor World.

"We believe the state of Maryland seeks to regulate affairs beyond its borders in an unconstitutional manner," Morgan said. "We have very good legal advice that the Maryland law goes beyond constitutional limits."

From November 1988 to September 1989, Outdoor World mailed nearly 6 million fliers to Maryland residents saying that they had won a valuable prize and inviting them to a resort to pick it up.

Curran said consumers were told that they would not get their prizes if they left and that they were prevented from buying food during a tour and sales pitch that lasted as long as nine hours.

Maryland's consumer protection division directed Outdoor World to end its alleged deceptive solicitation and sales practices in the state. The resort company also was told to set up a process to give consumers a chance to cancel their contracts and receive a refund.

Maryland residents visited Outdoor World at its headquarters and other campgrounds, including the Gettysburg Farm in Dover, Pa., the Circle M Ranch Resort in Lancaster, Pa., the Pennsylvania Dutch Country Resort in Manheim, Pa., and the Harborview Resort in Oak Grove, Va.

Virginia state officials have reached a tentative agreement to provide $38 million for a low-income housing program that had been gutted by Wilder administration budget cuts.

The Virginia Housing Partnership Fund was facing a severe budget shortfall because Gov. L. Douglas Wilder decided to divert money the partnership was to receive over the next two years through state lottery proceeds. The lottery had been expected to provide $19 million in each of the next two years.

Housing officials announced that the Virginia Housing Development Authority will provide a $38 million line of credit for the partnership over the next two years. The financial arrangement means the partnership fund can "go forward immediately," said John Ritchie Jr., executive director of the VHDA, a quasi-independent governmental agency.

"We hope the state can resume funding the partnership fund in the next biennium," Ritchie said.

Housing activists had expressed concern that budget cuts would prevent needy families from obtaining housing. Combined with $39 million in private and matching funds, the program has assisted 18,343 residents by helping to produce 2,048 housing units and 1,351 beds in emergency shelters, said Robert Adams, deputy director of the state's Department of Housing and Community Development.

IN THE BUSINESS ... The Real Estate Board of Virginia has increased the educational requirements for obtaining a real estate license by lengthening the course, "Principles and Practices of Real Estate," from 45 to 60 hours ... Home sales in the Baltimore area totaled 1,808 in August, down 7 percent from 1,960 during the same month last year, the Greater Baltimore Board of Realtors reported. Year to date, 12,552 units have been sold in the area, up 3 percent from the first eight months of 1989. The average price this year is $125,415, up 2 percent from $122,620 in 1989 ... Total residential building permits will reach almost 1.2 million units in 1990, down more than 10 percent from 1.34 million in 1989, according to U.S. Housing Markets, the publication of Detroit-based Lomas Mortgage USA. The problems facing the U.S. housing industry will depress building activity to its lowest level since 1982 ... The overall loan delinquency rate for one- to four-unit residential properties was 4.52 percent in the second quarter of 1990, up from 4.41 percent in the previous quarter, the Mortgage Bankers Association of America reported. The increase was due to an increase in 30-day delinquencies, the least critical category of problem loans ... F. Daniel Cathers and Associates, an architecture, planning and interior design firm, changed its name to Cathers & Associates Inc. ... The East Coast Builders Conference will be held Oct. 2-4 at the D.C. Armory and RFK Stadium Complex, featuring 6,000 building industry professionals. The event will be sponsored by the D.C., suburban Maryland and Northern Virginia building industry associations. ... The Harvey Cos. began construction on a $6.5 million, multilevel, 1,290-space parking garage at the Huntington Metro Station in Alexandria ... The gross absorption of new office space in Washington totaled 4.9 million square feet in the first half of 1990, down from 5.7 million square feet during the same period of 1989, according to a survey by Smithy Braedon Co. Despite the decrease, Washington's rate was the 10th highest of the 49 markets in North American and Western Europe included in the survey ... Kettler Brothers Inc., a Montgomery County developer, began sales of town houses and single-family homes -- priced from $144,000 -- in Tasker's Chance, its first planned community in Frederick ... The Prince George's County Association of Realtors named John J. Harrison Realtor of the Year ... George R. Middleton, formerly of Richmond American Homes of Virginia, has formed New Home Services Inc., a management and marketing consulting firm for builders and developers ... The Washington and Suburban Maryland NAIOP is planning a forum on "Transportation Priorities for the '90s" at the Bethesda Holiday Inn at 8 a.m. Wednesday. For more information, call 842-0770 ... The real estate brokerage of Kristin Gerlach Inc. plans to hold a home-buying seminar at 7 p.m. Oct. 17, at its Bethesda office. For details, call 656-8686 ... The District of Columbia Building Association is planning a dinner meeting Thursday at the Washington Vista at 6:30 p.m. For more information, call 966-8665 ... ERA Van Metre Properties Inc. is planning a golf tournament Oct. 22 at Avenel to benefit the Muscular Dystrophy Association ... A black-tie gala dinner and Beaux Arts ball to benefit Jubilee Housing Inc. and the Washington Architectural Forum is scheduled for 6 this evening at the Evening Star Building. For more information, call 639-5097.

PERSONNEL FILE ... Kenneth M. Tuchman was named senior vice president of operations of Realty World Corp. of Fairfax ... Lawrence S. Bacow was named director of the Center for Real Estate Development at Massachusetts Institute for Technology ... Joe Camarda was named vice president of Vanguard Real Estate Inc.