Major bank stocks were mostly lower on Monday. Besides Wells Fargo, the big decliners were J.P. Morgan & Co., off $1.125 to $72.875, and Barnett Banks Inc., off $$1.375 to $41.625. MBNA Corp., the credit card issuing bank, was down $2.25 to $35.

Also slipping were Citicorp, down 50 cents to $36.125; Bank of New York, down 62.5 cents to $54.25; and NationsBank Corp., down 25 cents to $48.625.

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