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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 FFL1lyWeiBkvj6KewjevF3Bx1DHZVZskt+1/s7cUqRiu2lh/qZ7Ozbepsb3hrDsP
 CleBEbsB9PY36i9Da0ahtQ==

<SEC-DOCUMENT>9999999997-02-026484.txt : 20020506
<SEC-HEADER>9999999997-02-026484.hdr.sgml : 20020506
<PAPER>
ACCESSION NUMBER:		9999999997-02-026484
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20011231
FILED AS OF DATE:		20020423

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BAY BANKS OF VIRGINIA INC
		CENTRAL INDEX KEY:			0001034594
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541838100
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22955
		FILM NUMBER:		02031688

	BUSINESS ADDRESS:	
		STREET 1:		100 S MAIN STREET
		CITY:			KILMARNICK
		STATE:			VA
		ZIP:			22482
		BUSINESS PHONE:		8044351171

	MAIL ADDRESS:	
		STREET 1:		100 S MAIN STREET
		CITY:			KILMARNOCK
		STATE:			VA
		ZIP:			22482
</SEC-HEADER>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-02-026484.paper
<DESCRIPTION>AUTO-GENERATED PAPER DOCUMENT
<TEXT>
This document was generated as part of a paper submission.
Please reference the Document Control Number 02031688 for access to the original document.
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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