Large crack, opened up by hydraulic action
The crack grows into a cave by hydraulic action and abrasion
The cave becomes larger
The cave breaks through the headland, forming a natural arch
The arch is eroded and collapses (e.g. Durdle Door, Dorset)
This leaves a tall rock stack (e.g. Stack Rocks, Pembrokeshire)
This stack is eroded, forming a stump (e.g. Old Harry Rocks, Dorset)