Gravitational, magnetic, and superfluid forces can stress the crust of an e
volving neutron star. Fracture of the crust under these stresses could affe
ct the star's spin evolution and generate high-energy emission. We study th
e growth of strain in the crust of a spinning down, magnetized neutron star
and examine the initiation of crust cracking (a starquake). In preliminary
work in 1998 we studied a homogeneous model of a neutron star. Here we ext
end this work by considering a more realistic model of a solid, homogeneous
crust a afloat on a liquid core. In the limits of astrophysical interest,
our new results qualitatively agree with those from the simpler model: the
stellar crust fractures under shear stress at the rotational equator, matte
r moves to higher latitudes, and the star's oblateness is reduced. Magnetic
stresses favor faults directed toward the magnetic poles. Thus our previou
s conclusions concerning the star's spin response still hold; namely, asymm
etric redistribution of matter excites damped precession, which could ultim
ately lead to an increase in the spin-down torque. Starquakes associated wi
th glitches could explain the permanent offsets in period derivative observ
ed to follow glitches in at least three pulsars.