The St. Louis Club in Missouri allows cell phones only in its lobby; New York's Old Town Bar displays a picture of a cell phone with a red line through it; and several other upscale Manhattan eateries, including trendy Union Square Cafe, prohibit phones in their dining rooms. SBC Communications recently launched a campaign to make proper cell phone etiquette as common as the phone themselves. In its April survey of wireless phone users, the company enlisted Peggy Post, great-granddaughter-in-law of manners maven Emily Post, to interpret the results and offer solutions. Her simple guidelines: Don't talk during lectures, concerts, plays, and movies; use a vibrating phone instead of a ringer; and keep your conversations very short. The penalty for cell phone use wile driving can be bodily injury, not just missing a few minutes of a movie."Everyone thinks they can handle talking on the cell phone, eating snacks, changing radio stations, and driving a stick shift without having an accident," says Julie Rochman of the Insurance Institute for Highway Safety. But she says, "There's no doubt about it: It's going to increase your risk."