When I went to college in Massachusetts, BayBanks ruled. You didn’t go to the ATM, you went to “a BayBank” because they had machines on every corner. When I moved to California, Bank of America took over in my head as the dominant local bank. In 1996, Bank of Boston bought BayBank and formed BankBoston Corporation. In 1999, BankBoston and Fleet, New England’s two largest banks, merged and became FleetBoston Financial Corp. Now it’s 2003 and Bank of America is expected to announce today that they are buying FleetBoston. So goes the last of the big Boston banks. Welcome back to my wallet.