Hip-deep in merger-related changes from its pending combination with BankAmerica Corp. and its recently completed acquisition of Barnett Banks Inc., NationsBank is overhauling its employee-incentive programs to try to keep customers happy.

Officials of the Charlotte, N.C., company would not discuss specifics of the program changes. But in an internal report to employees, company president Kenneth D. Lewis said that nourishing "mutually satisfying relationships" with customers is key to the company's future.

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