SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
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                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):         March 5, 2002
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                            Merrill Lynch & Co., Inc.

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             (Exact Name of Registrant as Specified in its Charter)


            Delaware                1-7182                13-2740599
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        (State or Other          (Commission           (I.R.S. Employer
        Jurisdiction of          File Number)         Identification No.)
         Incorporation)

4 World Financial Center, New York, New York                     10080
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(Address of Principal Executive Offices)                       (Zip Code)

Registrant's telephone number, including area code:          (212) 449-1000
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         (Former Name or Former Address, if Changed Since Last Report)









Item 9.  Regulation FD Disclosure
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     James Gorman, president, U.S. Private Client Group, is scheduled to deliver
a presentation  at a Financial  Services  dinner hosted by Merrill Lynch analyst
Judah Kraushaar on Tuesday, March 12 beginning at approximately 7:50 p.m. (EST).
Mr. Gorman will discuss convergence in retail financial services.

     Mr. Gorman's presentation will be available via a live audio webcast at
Merrill Lynch's Investor Relations website, www.ir.ml.com. An on-demand webcast
replay of the presentation should be available at www.ir.ml.com for ten days,
beginning March 13.

     Merrill Lynch may make or publish forward-looking statements about
management expectations, strategic objectives, business prospects, anticipated
financial performance and other similar matters. A variety of factors, many of
which are beyond Merrill Lynch's control, could cause actual results and
experience to differ materially from the expectations expressed in these
statements. These factors include, but are not limited to, financial market
volatility, actions and initiatives by current and potential competitors, the
effect of current and future legislation or regulation, and additional factors
described in Merrill Lynch's Annual Report on Form 10-K and subsequent reports
on Form 8-K and Form 10-Q, which are available at the SEC's website,
www.sec.gov. Merrill Lynch undertakes no responsibility to update or revise any
forward-looking statements.
























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                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                                   MERRILL LYNCH & CO., INC.
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                                                         (Registrant)




                                               By: /s/ Andrea L. Dulberg
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                                                       Andrea L. Dulberg
                                                       Corporate Secretary


Date:  March 5, 2002




















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