These women rappers from Oakland certainly aren't stupid. Taking a cue from the megasuccess of their mentor, M.C. Hammer, Sweet L.D. and Terrible T of Oaktown's 3.5.7 have smoothed out their debut's rough edges to create a more radio-friendly second effort, heavy with Hammerish R&B and catchy melodies. The result seems stunningly calculated. Where 1989's Wild & Loose shouted, Fully Loaded croons as much as it raps, comes equipped with two ballads, and slathers on enough smooth, bass-saturated music to lull a disco full of cokeheads or make it into rotation on any typically unadventurous urban radio station. On ''(Miss U) Come Back to Me,'' Sweet L.D. sobs that ''I'm still trying but I don't think I can let go/ I'll always love you, more than you know.'' As with these cliché-ridden lyrics, the rest of the album is far too predictable. C-

