President Nicolas Sarkozy of France and German Chancellor Angela Merkel warned Greek leaders that they need to push through the measures or risk letting the country go bankrupt.

Greece is hoping the European Central Bank, the International Monetary Fund and the European Commission will release a second installment of $170 billion in loans. Without that money, Greece will likely default when a bond repayment comes due March 20.

In Greece, talks between the prime minister and leaders of parties backing his coalition government were postponed for a day, even as European leaders prodded the government to push through new spending cuts, layoffs and other austerity measures.

The Dow Jones industrial average fell 17.10 points to close at 12,845.13. Travelers Cos. Inc. led the Dow lower with a 1.3 percent loss.

In other trading, the Standard & Poor's 500 index slipped 0.57 of a point to 1,344.33. The Nasdaq composite fell 3.67 points to 2,901.99.

Sam Stovall, chief equity strategist at S&P Capital IQ, thinks investors are starting to wonder if the stock market's recent stretch of calm trading is a prelude to a big drop. Trading has turned subdued compared with the wild swings of 2011. The S&P has closed up or down by more than 1 percent only three times this year. In December, that happened nine times.

``I look at it like a very-low-tide warning of an impending tsunami,'' Stovall said. ``We're setting ourselves up for a decline, the sort of decline that would make you sit up and take notice.''

A worrisome sign, Stovall said, is a drop in the number of volatile trading days in which the S&P index ends lower. There have been only five days in the last month in which the S&P index has moved by more than 1 percent and then ended with a loss. That's half of the monthly average since 2000. On April 29, the S&P 500 hit its peak for the year after an even calmer period, then lost 19 percent before hitting bottom on Oct. 3.

Large gains in the market, like the Dow's 156-point surge Friday, are often followed by relatively modest moves as traders pull some of their winnings off the table. Since 1950, whenever the S&P rose by 1 percent or more in a trading day, the index has inched up an average of just 0.1 percent the next day, according to S&P Capital IQ.

Among companies making big moves:

_ Boeing Co. fell 1.2 percent following reports that the company found a problem in its 787 Dreamliner. The aircraft maker said it was working to fix it and that there was no safety concern.

_ Micron Technology Inc. fell 2.8 percent following news that the chip maker's CEO died in a plane crash. Steve Appleton, 51, was at the helm for 18 years, leading the only company he'd ever worked for.

_ Verizon Communications and Coinstar Inc. edged up after the companies said they will launch a video-streaming service later this year, a challenge to Netflix. Coinstar is the parent of Redbox, a DVD rental company. Coinstar rose 1.8 percent and Verizon 0.8 percent.