SUBROUTINE XTY (N1,N2,N3,M,L,N,X,Y,Z)
      DOUBLE PRECISION   X(N1,L)
      DOUBLE PRECISION   Y(N2,N)
      DOUBLE PRECISION   Z(N3,N)
      DOUBLE PRECISION   TEMP
C
C  DESCRIPTION:
C
C  FORM MATRIX PRODUCT Z = X-TRANSPOSE * Y
C
C  ON INPUT:
C  X IS M X L MATRIX IN N1 X L ARRAY
C  Y IS M X N MATRIX IN N2 X N ARRAY
C
C  ON OUTPUT:
C  Z IS L X N MATRIX IN N3 X N ARRAY
C
C  WRITTEN BY:  J. DOUGLAS BIRDWELL
C               DEPT. OF ELEC. ENGR.
C               FERRIS 311
C               UNIVERSITY OF TENNESSEE
C               KNOXVILLE, TN  37996-2100
C               (615) 974-5468
C
      DO 1000 J = 1, N
         DO 1000 I = 1, L
            TEMP = 0.D0
            DO 500 K = 1, M
500            TEMP = TEMP + X(K,I) * Y(K,J)
1000        Z(I,J) = TEMP
      RETURN
      END