-LABOR MKTS STILL TIGHT;SOME EASING IN HALF OF DISTS -'SOME EASING IN WAGE PRESSURES,' BENEFIT COSTS UP -OUTSIDE ENERGY, PRICE PRESSURES HAVEN'T INCREASED -DEMAND DOWN FOR LOANS FOR CAP SPNDG,PLANT EXPANSION -COMMERCIAL REAL EST ACTIVITY EASED IN MOST DISTRICTS -HOME BLDG UP IN 5 DISTRICTS,DOWN IN 1 DUE TO WEATHER -BANKS IN SEVERAL DISTS TIGHTENED CREDIT STANDARDS -CONSUMER SPENDING UP IN FEB DUE TO RETAIL DISCOUNTS -LOWER RETAIL PRICES IN JAN, MORE STABLE IN FEB