ElectricAL,
What you describe is not a multi-wire ckt.
Although it may be foolish to do so, you could install that configuration without handle ties. Correct?
BTW,
I think the reason handle-ties are not REQUIRED if wired as 2 separate ckts. is because the 2nd neutral in the box would tip-off someone that there is another circuit involved.

[This message has been edited by Redsy (edited 10-27-2001).]