This episode's headline: Downturn; Tuning In to Hispanics; Racial Profiling. ANCHOR: JIM LEHRER; GUESTS: JOEL NAROFF, Commerce Bank; PAUL SOMMERS, University of Washington; DIANE SWONK, Bank One Corporation; MARK VITNER, First Union Corporation; DAVID HARRIS, University of Toledo Law School;KENNETH MEEKS, Author, ""Driving While Black""; ROBERT DUFFY, Rochester Police Chief; ROBERT OLSON, Minneapolis Police Chief; CORRESPONDENTS: KWAME HOLMAN; RAY SUAREZ; SPENCER MICHELS; MARGARET WARNER; GWEN IFILL; TERENCE SMITH; KWAME HOLMAN