  Gravitational lensing of an optical QSO by a spiral galaxy is often
counteracted by dust obscuration, since the line-of-sight to the QSO passes
close to the center of the galactic disk. The dust in the lens is likely to be
correlated with neutral hydrogen, which in turn should leave a Lyman-alpha
absorption signature on the QSO spectrum. We use the estimated dust-to-gas
ratio of the Milky-Way galaxy as a mean and allow a spread in its values to
calculate the effects of dust on lensing by low redshift spiral galaxies. Using
a no-evolution model for spirals at z<1 we find (in Lambda=0 cosmologies) that
the magnification bias due to lensing is stronger than dust obscuration for QSO
samples with a magnitude limit B<16. The density parameter of neutral hydrogen,
Omega_HI, is overestimated in such samples and is underestimated for fainter
QSOs.
