11.   IBCA, a European credit rating service, Thursday downgraded its ratings for Fuji Bank Ltd., Industrial Bank of Japan Ltd. and Sakura Bank Ltd.

12.   IBCA, a European credit rating service, yesterday downgraded its ratings for three Japanese banks.

13.   In December, A.M. Best indicated that it might downgrade its rating on Prudential, placing it under review with negative implications.

14.   It also downgraded the ratings of several other Wall Street firms.

15.   John Lazlo, who follows the company for PaineWebber in San Francisco and had advised buying its stock, downgraded his rating to a hold.

16.   Maryland stocks fell, dragged down by shares of Mid Atlantic Medical Services Inc., whose stock rating was downgraded.

17.   Ms. Keller said the debt would make Chrysler far less attractive as an ally to other auto companies, particularly if its debt rating were downgraded.

18.   Several analysts have downgraded their ratings from buys to holds recently.

19.   Several analysts downgraded their rating on the stock.

20.   Stocks of health maintenance organization fell after a Prudential Securities analyst downgraded his rating on the group.