BOSTON - BayBanks Inc. said it will open approximately 40 bank branches over the next two years in existing Super Stop & Shop stores throughout Massachusetts.

The plan is subject to regulatory approval.

About 20 of the branches are to open this year; the rest are set for next year and early 1997.

BayBanks now operates four branches in Super Stop & Shop stores.

In addition to having extended and Sunday hours, each new branch will feature fully staffed account opening and loan application services, a full-service ATM, and a BayBank X-Press Phone linked to the BayBank 24-hour telephone sales and service center.

BayBanks has 205 full-service branches and 366 remote banking facilities in Massachusetts and two facilities in Connecticut.

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