As NationsBank Corp. prepares to merge with Barnett Banks Inc., upheaval in Barnett's investment and insurance units could be in store, industry watchers say.

Charlotte, N.C.-based NationsBank plans to slice Barnett's expenses in half. That, and the fact that the banks' investment product styles and strategies differ, could mean an overhaul for Barnett's high-profile asset- management group, which includes its investment and insurance operations.

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