The Bush administration is considering ways to ease concerns in Congress that its savings and loan plan would permit regulators to dump billions of dollars of repossessed real estate onto fragile Texas markets, according to an industry official.

Kenneth A. Guenther, executive vice president of the Independent Bankers Association of America, said Monday that "an element of the administration" is examining proposals to combine federal and state money to pay for a real-estate maintenance program.As part of the program, some of the real estate could be used for day-care centers, food programs or in some other way that meets President Bush's "kinder, gentler" social objectives, he said.

"Thought is being given to it, very, very high level thought," Guenther said.

In other S&L developments, Monday:

-Rep. Henry B. Gonzalez, D-Texas, chairman of the House Banking Committee, introduced the administration's S&L proposal in the House. It was referred to Gonzalez's committee, defusing a jurisdictional dispute between the banking panel and the House Ways and Means Committee that could have delayed congressional action.

Rep. Dan Rostenkowski, D-Ill., chairman of Ways and Means, had sought joint jurisdiction, arguing that a key element of the S&L plan provided for selling $50 billion in government bonds and that his panel's turf covered revenue raising.