// Bay Tact Corporation

  document.write ("<table align=\"center\" width=\"450\" cellpadding=\"0\" cellspacing=\"0\" border=\"0\">\n");
  document.write ("	<tr><td  width=\"190\" align=\"center\"><img src=\"images/logo-head.gif\"></td> <td  width=\"260\" align=\"left\"><b><font face=\"Arial, Helvetica, sans-serif\" font size=\"2\" color=\"#757575\">&nbsp;&nbsp;&nbsp;2003 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\" selected>Navigation: Select topic</option>\n");
  document.write ("            <option value=\"cover.html\">Cover</option>\n");
  document.write ("            <option value=\"page1a.html\">History</option>\n");
  document.write ("            <option value=\"page1.html\">Letter to Shareholders</option>\n");
  document.write ("            <option value=\"page10.html\">Financial Highlights</option>\n");  
  document.write ("            <option value=\"page11.html\">Consolidated Statement of Income</option>\n");
  document.write ("            <option value=\"page11.html#balance\">Consolidated Balance Sheet</option>\n");
  document.write ("            <option value=\"page12.html\">Consolidated Statement of Shareholders' Equity</option>\n");
  document.write ("            <option value=\"page12.html#cash\">Consolidated Statement of Cash Flows</option>\n");
  document.write ("            <option value=\"page13.html\">Data on Common Stock</option>\n");
  document.write ("            <option value=\"page13.html#auditor\">Independent Auditors' Report</option>\n");
  document.write ("            <option value=\"page13.html#10k\">Form 10-K Information</option>\n");  
  document.write ("            <option value=\"page14.html\">Board of Directors/Executive Committee</option>\n");
  document.write ("            <option value=\"page15.html\">Regional Centers/Specialized Services/Investment Services</option>\n");
  document.write ("            <option value=\"page16.html\">Banking Offices</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");