DAYTON, Ohio (AP) _ Nine-year-old Kirk Ritchey thought he was saving for a rainy day. Instead, he found he'd been soaked.

Kirk opened a school-bank savings account in January at his elementary school, Lincoln IGE, in cooperation with Bank One of Dayton.

On Tuesday, Kirk received his first statement from Bank One. It showed his savings account earned 16 cents interest on the $27 he had deposited. It also showed the bank deducted $4 in service charges.

His account had shrunk by $3.84.

''It wasn't fair,'' Kirk said. ''They're just teaching us not to go to the bank, or we'll get ripped off.''

Peggy O'Donnell, a customer service officer who coordinates the school savings program for Bank One, said the bank's policy is to waive monthly service charges for any savings account opened by a minor.

Kirk's account was charged by mistake, she said, and the money will be restored.

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HOUSTON (AP) - Pranksters on the Rice University campus managed an about- face of a 2,000-pound bronze statue of founder William Marsh Rice that had stood its ground as the centerpice of the campus for 58 years.

A campus police officer noticing activity around the statue before dawn on Tuesday managed to apprehend one student driving away from the quadrangle in a pickup truck. When the officer inspected the statue he found it was facing the Fondren Library to the south instead of the Lovett Building to the north as it had always done.

It took a crew of professional museum movers and a crane 3 1/2 hours to get the statue to once again gaze north.

The university is looking into the matter.

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DULUTH, Minn. (AP) - City fathers wanting to stick with the quaint look of their brick streets are considering gluing them with reflective tape to meet a state and federal requiremnt for lane stripes.

The tape would cost $1.25 a foot compared to 5 to 10 cents a foot for paint, city Traffic Engineer Dan Murphy said Tuesday. But if something isn't done the city could lose millions of dollars in highway funds for street projects.

In October, city workers painted the stripes - only to watch them mysteriously fade over the next few weeks.

The state Department of Transportation must approve the proposal because the city is planning to use state money for the project. Bill Croke, the department's state aid engineer for the Duluth area, said the tape has good possibilities.

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HERBSTER, Wis. (AP) - The Dinwiddie family packed up three covered wagons they built themselves and headed West.

They expect it will take them two or three years to complete the round trip they began Wednesday morning from their Bayfield County farm in northwest Wisconsin. Their route will take them across the back roads of Minnesota and then southwest toward New Mexico.

''This is our dream,'' Ben Dinwiddie, 44, said as he cleaned out his barn this week with his wife, Honey, and four children. ''I hope this trip means a lot more to my kids than most things in their lives.''

''We'll hit the small- and medium-sized towns,'' Dinwiddie said. ''The big towns don't want us.''

One wagon is full of food, one carries hay and livestock, and the other is packed with clothes, games, books and Bibles. The parents will handle teaching duties for the children, Chester, 13; Terrie, 16; Tom, 10; and John, 9.

The Dinwiddies sold most of their farming equipment to finance the trip, which they first discussed several years ago.

They plan to return to their farm, if it isn't sold by the time they get back. If it is sold, they said they'll buy land in some other part of the state.

''People around here have come from the old and into the modern,'' Dinwiddie said. ''We did just the opposite. We came from the modern to the old. That's hard for most people to understand.''