Pilgrim,

Yes, that is absolutely what I meant, I just didn't expound on it enough. I didn't mean to say that everyone who is baptized is a true believer.

All I meant by what I said was that I don't believe in baptismal regeneration.

Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified. - Galatians 2:16