This document discusses gully erosion and stream bank erosion. It defines gully erosion as the formation of channels caused by running water that cannot be smoothed out by cultivation. Gullies develop from rills and progress through four stages: formation, development, healing, and stabilization. Classification is based on shape, activity level, and dimensions. Stream bank erosion occurs when water forces exceed resisting forces of bank materials and vegetation. Causes include heavy rainfall, removal of streamside vegetation, housing near banks, and stream alterations.