1.   But the merged firm, with its wide range of businesses, may have a more stable stream of earnings than either of the two firms separately.

2.   Dennis Hayes, founder of the company that bears his name, becomes chairman of the merged firm.

3.   He predicted that mergers will lead to big job cuts as the merged firms consolidate their operations.

4.   He will run the merged firm.

5.   His counterpart at NationsBank, James H. Hance Jr., will retain those titles at the merged firm.

6.   It will be harder for individuals to stand out in the huge merged firms.

7.   Keith Mullins, who tracked emerging growth stocks for Smith Barney, will hold the same post with the merged firm.

8.   Moore will be chairman of the merged firm.

9.   Officials at the companies did not return calls regarding fees and commissions at the merged firm.

10.   The companies will be combined into a new holding company that will issue new stock of the merged firm.