<i>But will demutualized firms gain shareholder approval</i>
<i>Cutbacks, restructuring make bankers nervous. Some are feeling the stress more than others</i>
<i>New members okay 'til March 2000</i><br>
<i>New members must be working towards a CLU or CFP designation</i>
<I>Providing financial products to independent financial advisors</I><br><br>