Rep. Richard Cheney's personal and campaign finances indicate he approaches his nomination as defense secretary with almost none of the baggage that helped sink the first man President Bush picked for the job.

Unlike John Tower, who was rejected by the Senate in part because of his relationships with the defense industry, Cheney's financial benefactors have been dentists, insurance companies, farm groups and energy companies.And although the Wyoming Republican has been paid better than most of his House colleagues for giving speeches, raising a total of $81,350 in 1987, he gave $59,000 of that to charity, according to his most recent financial disclosure forms.

That was more than he had to give away to meet House limits, and none of the money had come from the defense industry.

Over the past five years, Cheney has raised more money through speaking fees, $266,875, than even House Republican leader Robert Michel, who got $250,888, according to a study by Common Cause. He kept $107,937 of that - an average of a little over $20,000 a year.

Cheney's disclosure forms show that he is financially comfortable. In 1987 he earned between $226,333 and $290,833 and had assets worth between $200,000 and $530,000.