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(This region covers Delaware and parts of Pennsylvania and New Jersey.)

The economy showed a few signs of improvement, although overall activity is sluggish and the "recovery remains fragile." Factory production ranged from steady to up slightly. A majority of manufacturing contacts thought production would stay at current levels or show a gradual improvement going into 2010.

Business activity remains slow even with some signs of improvement. Manufacturing and related services said activity stabilized or showed modest improvements, although the pace was still "abnormally low." Retailers reported mixed sales, with some concerned about the effect of rising unemployment and winter heating bills on shoppers.

(This region covers Maine, Vermont, Massachusetts, New Hampshire, Rhode Island and part of Connecticut.)

(This region covers New York and parts of Connecticut and New Jersey.)

(This region covers Georgia, Alabama, Florida, and parts of Louisiana, Mississippi and Tennessee.)

RICHMOND

Real estate agents reported stronger traffic and sales of houses priced in the low-to-middle range of the market. Commercial activity remained "depressed" and industrial real-estate activity was often described as "dead."

ATLANTA

PHILADELPHIA

Residential real-estate agents noted steady sales of previously owned homes. Housing demand was expected to continue to stabilize but a significant improvement wasn't expected until some time next year. Commercial real estate activity — both leasing and construction — was expected to remain weak into 2010.

NEW YORK

The economy showed scattered signs of a pickup. Auto dealers saw sales fall with the end of the Cash for Clunkers rebate program. An ongoing "pronounced slump" in business travel was partly offset by leisure visitors. Tourism activity in New York City was sluggish. Sales in New York City — which had been lagging other areas — improved "considerably" especially for a higher-end department store chain. Broadway theater attendance picked up somewhat. Factory activity strengthened, with manufacturers optimistic about the near-term outlook. Retail sales picked up "noticeably" in September. Manhattan hotels reported steady occupancy rates.

WASHINGTON — Highlights from the Federal Reserve's survey of economic conditions nationwide. The survey, released Wednesday and known as the Beige Book, is based on information collected from the Fed's 12 regional bank districts.

The housing market showed positive signs, while commercial real estate remained "in the doldrums." Large layoffs appear to have ended, but hiring was very limited. Workers' wages didn't budge or logged very modest increases. A slow recovery was expected in 2010.

Commercial real-estate activity deteriorated further as vacancy rates rose, rents declined and more planned projects were delayed or canceled. The pace of layoffs slowed but most businesses said that they weren't looking to hire in the near term.

BOSTON

Housing markets were sluggish across the region, although sales activity picked up in some areas. A major New York employment agency specializing in office jobs said activity "virtually ground to a halt" in the legal and publishing industries. Commercial real estate activity was described as "steady to softer" with Manhattan's office vacancy rate continuing to climb. Banks reported decreased demand for all types of loans, except home mortgages.

Factories reported small increases in shipments and a steady rate of new orders. Growing demand was reported from makers of industrial materials and equipment. Retailers suggested back-to-school sales picked up. But makers of clothing, furniture and transportation equipment saw demand drop. Still, manufacturers said further improvements were expected. Auto dealers expect sales to be slow for the rest of the year.

Economic activity "pulled back somewhat." Retail sales and traffic in stores was below expectations. Auto dealers said sales dropped with the expiration of the clunkers program. Tourism spending was weak, with hotel reservations, especially related to conventions down.

Manufacturing continued to lead most other sectors, with solid increases in orders and shipments and even a small gain in employment. Retail sales, however, were flat or declining. Services also strengthened but employment was flat. Tourism activity was generally on the positive side.

CLEVELAND

Home sales improved slightly. The lower end of the market is doing particularly well, while the high-end market is sluggish. Commercial real estate continues to struggle, although activity in public works projects has picked up. Financing difficulties frequently mentioned.

(This region covers Virginia, Maryland, North Carolina, South Carolina and parts of West Virginia, North Carolina and South Carolina.)

(This region covers Ohio and parts of Pennsylvania, West Virginia and Kentucky.)

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