Uh yeah. That's not a bay. A bay is a brown horse with black mane and tail and black points (Black legs, black tips of the ears, black muzzle. Like the horse in my display picture.)
Turtle is a very handsome chestnut (If that's what he could be considered) but he isn't a bay =) Very handsome though.
"I was eight years old, and I've never forgotten her face when she told me about watching you ride. She told me she saw you, and your horse was dancing in the moonlight."
-- A.C. Crispin's "Sylvester"