Leave it to the "serious" novelist with a profound sociological message to center his story in Youngstown, Ohio, the New Jersey marsh bogs, or a dusty beer-joint-gas-station highway intersection in the Texas Panhandle. It's a country mile wide of coincidence that the page-turners destined for the best-seller list tend to be staged in more exotic climes. Geographic glitter may distract from a grim political/social message, but in the Wonder World of commercial fiction it's the flaming brandy on the peches flambees . Take the indefatigable Danielle Steel, for instance (22 novels so far and it's only May), who in Zoya has created the beautiful and infinitely resourceful Zoya Ossupov, a member of the royal family, on the eve of the Russian Revolution. Comes indeed the Revolution, house arrest with Czar Nicholas and his retinue and then successful flight, just before the ax falls on Nicholas, to Paris--and to bone-crunching poverty. But in the best tradition of the "Unsinkable Molly Brown" and "Auntie Mame," Zoya emerges triumphant as a dancer with the Ballet Russe, a connection that leads to romance and marriage to a handsome, and wealthy, New York Army officer following World War I. St. Petersburg's royal glamour is relived as Zoya and husband (and, in time, two children) become the toast of New York society--on a first-name basis with the Astors, Vanderbilts, Roosevelts. But then Black Thursday hits, a fortune is evaporated, Paris' poverty is revisited and husband turns up his toes. Back up from the ashes, however, as Zoya finds her niche in the fashion world--and a new, also wealthy, husband replacement. It's a nice trait on Zoya's part--this ability to fall in love with the rich men, not the poor ones, entering her life. Unfortunately, none of them are any great shakes in the longevity department. Written, for the most part, in the fast-moving Gee Whiz! tempo that she does so well, Steel, in time, begins showing some restiveness with her heroine, her up-and-down swings of fortune and the repetitiveness of those swings. Still and all, as a Cinderella tale--a Cinderella having a great sense of double-entry bookkeeping--"Zoya," a Doubleday Book Club and Literary Guild Dual Selection, is already well into the black-ink column. And Zoya would like that.