Recent laboratory experiments have measured fusion cross sections at c
enter-of-mass energies low enough that the effects of atomic electrons
are important. To extract the cross section for bare nuclei from thes
e data (as required for astrophysical applications), it is necessary t
o understand these screening effects. We present a model in which the
evolution of the electron wave function is treated dynamically in the
time-dependent Hartree-Fock scheme, while the motion of the nuclei is
treated classically. We have calculated screening in the d + H-2 and d
+ He-3 reactions and give the effective screening energy U(e) at smal
l internuclear separations as a function of E. The resulting U(e) valu
es do not exceed the previously established adiabatic limits, and thus
cannot explain the higher screening energies derived from experiment.