By Donna Kardos Yesalavich

U.S. stocks declined Thursday as investors grew increasingly cautious ahead of the government's monthly payrolls report due Friday morning.

The Dow Jones Industrial Average (DJI) was down 38 points in recent trading. Investors have been jittery ahead of Friday's employment report, which will be closely watched for signs of whether the economic recovery can be sustained after other recent data have sent conflicting messages.

Thursday, initial jobless claims unexpectedly rose, while retailers reported mixed July same-store sales. and

Investors are also concerned about how the employment situation could impact discussions at a Federal Reserve meeting next week. At the meeting, Fed officials are expected to consider whether to use cash the Fed receives when its mortgage-bond holdings mature to buy mortgages or Treasury bonds, instead of allowing its portfolio to shrink gradually, as it is expected to do in the months ahead. Any change would signal deepening concern about the economic outlook.

"Investors are cautious right now," said Peter Zuger, portfolio manager at Touchstone Mid Cap Value Fund. "They're worried about the economy going back into a recession mode. [The Fed] can't lower rates anymore, so that lever is no longer available, that's why possibly they'll do something with mortgages or expand the balance sheet again and try to push more liquidity into the system."

The Dow dropped 38 points, or 0.4%, to 10642. The Nasdaq Composite (RIXF) declined 0.6% to 2290, and the Standard & Poor's 500-stock index (SPX) dropped 0.4% to 1123.

The financial sector led the decline, weighed down by a 5.3% drop in Hartford Financial Services Group (HIG) and a 2.6% decline in Regions Financial Corp (RF). Hartford swung to a second-quarter profit, but lowered its 2010 target for operating earnings. Regions Chief Executive Grayson Hall Jr. warned investors he expects a slow economic recovery, with slow loan growth and a continued decline in home prices.

Investors sought safety in Treasurys and gold, which both rose. The increase in Treasurys pushed the yield on the 10-year note (UST10Y) down to 2.90%.

"People are really nervous" about Friday's jobs report, said David Klaskin, chief investment officer at Oak Ridge Investments in Chicago. He said the weak employment environment "spooks people because it's impossible to see rosy projections taking place. The employment data doesn't support that."

Volume was relatively weak, but in line with this week's lighter trend. NYSE Composite volume was just over 2 billion shares around 1:30 p.m. EDT. Decliners outnumbered advanced by two to one.

The euro(CUR_EURUSD) fluctuated between small gains and losses after European Central Bank President Jean-Claude Trichet said that while the euro-zone economy is strengthening, current expansion rates are unlikely to be sustained after the summer. The European Central Bank kept its benchmark interest rate unchanged at 1%, as widely expected.

Among retailers' same-store sales reported Thursday, companies such as Macy's Inc. (M), Limited Brands (LTD) and Abercrombie & Fitch (ANF) managed to exceed expectations, but J.C. Penney (JCP), Aeropostale Inc. (ARO) and Hot Topic (HOTT) widely missed the mark and provided discouraging earnings forecasts. Macy's rose 0.8%, Limited edged up 0.8% and Abercrombie climbed 1.4%, while J.C. Penney dropped 7.7%, Aeropostale slipped 5.3% and Hot Topic shed 4.4%.

 
 
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