// Bay Tact Corporation

  document.write ("<table align=\"center\" width=\"475\" cellpadding=\"4\" cellspacing=\"0\" border=\"0\">\n");
  document.write ("	<tr><td align=\"center\"><img src=\"images/logo.jpg\"></td> <td align=\"center\"><b><font face=\"Arial, Helvetica, sans-serif\" color=\"#000000\">Northern States Financial Corporation <br> 2006 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=\"page4.html\">Financial Highlights</option>\n");
  document.write ("            <option value=\"page6.html\">Chairman's Letter</option>\n");
  document.write ("            <option value=\"page8.html\">Board of Directors</option>\n");
  document.write ("            <option value=\"page9.html\">Community Banking</option>\n");
  document.write ("            <option value=\"page12.html\">NorStates Bank Officers</option>\n");
 
  document.write ("            <option value=\"page14.html\">Selected Consolidated Financial Data</option>\n");
  document.write ("            <option value=\"page15.html\">Management's Discussion and Analysis</option>\n");
  document.write ("            <option value=\"page41.html\">Report of Independent Registered Public Accounting Firm</option>\n");
  document.write ("            <option value=\"page43.html\">Consolidated Financial Statements</option>\n");
  document.write ("            <option value=\"page47.html\">Notes to Consolidated Financial Statements</option>\n");
  document.write ("            <option value=\"page67.html\">Stockholder Information</option>\n");
  document.write ("            <option value=\"page68.html\">Board of Directors and Officers</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");