// Bay Tact Corporation

  document.write ("<table align=\"center\" width=\"450\" cellpadding=\"0\" cellspacing=\"0\" border=\"0\">\n");
  document.write ("	<tr><td align=\"center\"><img src=\"images/logo.gif\"></td></tr><tr><td align=\"center\"> <b><font face=\"Arial, Helvetica, sans-serif\" color=\"#000000\"></font><font size=\"2\" face=\"Arial, Helvetica, sans-serif\" color=\"#000000\">2002 Summary Annual Report</font></b></td></tr>\n");
  document.write ("      <tr><td align=\"center\" colspan=\"2\">\n");
  document.write ("<form name=\"form1\">\n");
  document.write ("      <select name=\"menu1\" onChange=\"MM_jumpMenu('parent',this,0)\">\n");
  document.write ("            <option value=\"index.html\">Navigation: Select Topic</option>\n");                        
  document.write ("            <option value=\"cover.html\">Cover</option>\n");                        
  document.write ("            <option value=\"inscover.html\">Financial Highlights </option>\n");
  document.write ("            <option value=\"page1.html\">Letter to Shareholders </option>\n");                        
  document.write ("            <option value=\"page17.html\">Condensed Consolidated Statement of Income</option>\n");                         
  document.write ("            <option value=\"page17.html\">Condensed Consolidated Balance Sheet</option>\n");
  document.write ("            <option value=\"page18.html\">Condensed  Consolidated Statement of Changes in Shareholders' Equity </option>\n");
  document.write ("            <option value=\"page18.html\">Condensed Consolidated Statement of Cash Flows</option>\n");
  document.write ("            <option value=\"page19.html\">Data  on Common Stock</option>\n");
  document.write ("            <option value=\"page19.html#auditor\">Independent Auditors' Report</option>\n");
  document.write ("            <option value=\"page19.html#10\">Form 10-K Information</option>\n");
  document.write ("            <option value=\"page20.html\">Board of Directors & Executive Committee</option>\n"); 
  document.write ("            <option value=\"page21.html\">Banking Offices </option>\n");
  document.write ("            <option value=\"page22.html\">Regional Centers </option>\n");
  document.write ("            <option value=\"backcover.html\">Back Cover</option>\n"); 
  document.write ("      </select>\n");
  document.write ("</form>\n");
  document.write ("</td></tr></table>\n");