What a difference a couple of weeks make.

Boosted by growing concern about the Wall Street meltdown and Main Street credit freeze, Democratic Sen. Barack Obama is closing the gap for Ohio's 20 electoral votes in next month's presidential election, according to the latest Dayton Daily News/Ohio Newspaper Poll.

The Illinois Democrat now trails Republican Sen. John McCain by two percentage points — well within the poll's margin of error of 3.3 percent.

The poll was the second of three telephone surveys commissioned by the Ohio News Organization, a consortium of the state's eight largest newspapers. The first poll, conducted Sept. 12-16, showed McCain leading Obama 48 percent to 42 percent, with 5 percent of the respondents saying they'd vote for independent Ralph Nader or Libertarian Bob Barr and 5 percent undecided.

The new poll found McCain's lead down to 48-46.

"We've gone from a race that looked increasingly like it was going toward John McCain to a race that now is more or less even," said Eric Rademacher, interim co-director of the Institute for Policy Research at the University of Cincinnati, which surveyed 876 likely voters across the state Oct. 4-8.

Rademacher said the election was "still up for grabs" because 13 percent said they might change their minds and 3 percent were undecided. Several said they made up their minds only recently.

"I had been leaning toward Obama," said Kim McMahon, 50, of Wauseon, a rural community about 36 miles west of Toledo. What "cemented the deal," she said, was the crumbling stock market.

"That's where I have my 401(k) and IRAs," said McMahon, a divorced mother with three children in college who works three jobs — as a bank teller, at Wal-Mart and part-time catering. "Sure, I'm scared. Realistically, I figure I probably won't be able to retire."

Many poll respondents voiced similar fears. Two-thirds said they were "very worried" or "somewhat worried" about having a "secure retirement."

Last week's headlines did nothing to calm those jitters. The head of the Congressional Budget Office reported on Tuesday that public and private pension funds and employees' 401(k) and other retirement accounts lost a fifth of their value — as much a $2 trillion dollars — in the past 15 months. The Dow Jones industrials on Friday logged its eighth straight day of losses, posting its worst week ever.

For many poll respondents, the financial anxiety has gone beyond Wall Street. More than a fifth said they were worried about losing their jobs. A slightly smaller percentage were worried about losing their homes.

Nearly half thought their parents' generation was better off economically and 54 percent thought the next generation would be worse off.

McMahon cited Obama's background, as a multiracial child raised by a single mother and grandparents, as the reason she considered him the best choice for tough times.

"I think it's his upbringing," she said. "He, at least, can relate to people."

Still, when asked which candidate "would do the best job in improving economic conditions," poll respondents favored only by 47 percent to 44 percent.

Christine Skelnik, 41, of Mansfield, who also made up her mind recently, and again the economy was a factor. But Obama wasn't her choice.

"I think that Obama is fundamentally a socialist-principled person," she said. "I believe in less government intervention and that people learn lessons individually and so are greater governors of themselves and their money."

But while praising McCain as an ideal wartime president, she questioned his conservative economic credentials. "I was undecided, leaning toward McCain," said Skelnik, mother of two young children whose husband is database analyst.

McCain's choice of a running mate removed those doubts, she said. "I believe Sarah Palin has a good economic track record."

John Eurich, a 23-year-old construction laborer from Ashtabula, said Palin also made up his mind — to vote for Obama.

"I was undecided for a long time, but the more I learned about Sarah Palin the more I thought if something would happen to McCain she would be the next one in line.

"She doesn't seem to have much experience and she kind of babbles on about nonsense in her interviews."

Gary Berning, 35, of Cincinnati, a corporate tax manager for Kroger, also objected to Palin.

"Normally that would not be much of an issue," he said. "But because of (McCain's) age — what, he's 72 — you'd think he would have gotten somebody more competent because he may not be around four years from now."

As for specific proposals for improving the economy, the poll found opinions split.

Asked to choose the "most effective action government could take to stimulate the U.S. economy," about a third of the respondents favored cutting taxes on lower and middle income families — a plank stressed in Obama's platform.

But the second most popular choice, favored by 17 percent of respondents, was taken from the McCain campaign playbook — tax cuts for U.S. businesses. The answers, however, tended to follow along party lines. Only 1 percent of the Obama supporters placed business tax cuts first in importance, while 34 percent of the McCain supporters did.

More than half of the poll respondents said free trade agreements, such as NAFTA, have been bad for Ohio.

Ed Long, 37, of Shaker Heights, said he saw no difference between John McCain's economic proposals and those of President Bush.

"Whereas Barack Obama really has a step-by step plan — you can go to his Web site or hear what he's saying of what he'd like to do," he said.

Long, a pharmaceutical sales agent, married with three children, said the mortgage crisis has hit his community hard. "When I drive around this neighborhood and I see the number of for-sale or auction signs, that's a real concern."

Long said the success of Obama's primary campaign demonstrated he had the organizational and leadership skills to be president. "That said to me this person has an idea of how to get things done."

Cynthia Spring, 66, of Newark, said she was voting for Obama because the country was more likely to prosper with a Democratic administration.

"Look at the shape the country was in economy-wise at the end of President Clinton's term and how it is now," she said.

Spring, a retired beautician, said health care was the next most important issue.

"My husband got laid off, but he was eligible for Medicare by then," she said. "I was two years younger. I didn't have insurance for a year."

Although the state of the economy seemed to drive the poll numbers, national security remains an issue on the minds of voters like Melody Shields, 48, of Columbus.

Shields, who works at Ohio State University coordinating surgical procedures, said McCain's military background makes him the better candidate.

"We don't want to go back to a 9/11 scenario," she said.