UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): October 27, 2004
Bay National Corporation
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(Exact Name of Registrant as Specified in its Charter)
Maryland 333-87781 52-2176710
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(State of Incorporation) (Commission File Number) (I.R.S. Employer
Identification No.)
2328 West Joppa Road
Lutherville, Maryland 21093
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(Address of Principal Executive Offices)(Zip Code)
Registrant's Telephone Number, Including Area Code: 410/494-2580
N/A
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(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):
[ ] Written communication pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
Act (17 CFR 240.13e-4(c))
ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On October 27, 2004, Bay National Corporation (the "Registrant") announced its
earnings for the three months ended September 30, 2004. For further information,
reference is made to the Registrant's press release, dated October 27, 2004,
which is attached hereto as Exhibit 99.1 and incorporated herein by reference.
The attached press release is furnished pursuant to this Item 2.02 of Form 8-K.
ITEM 7.01. REGULATION FD DISCLOSURE.
On October 27, 2004, the Registrant announced its earnings for the three
months ended September 30, 2004. For further information, reference is made to
the Registrant's press release, dated October 27, 2004, which is attached hereto
as Exhibit 99.1 and incorporated herein by reference. The attached press release
is furnished pursuant to this Item 9 of Form 8-K.
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.
(c) Exhibits.
The following exhibits are filed herewith:
99.1 Press Release dated October 27, 2004.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BAY NATIONAL CORPORATION
Date October 27, 2004 By: /s/ Hugh W. Mohler
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Hugh W. Mohler, President
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