Ozzie,
I think the following scripture verses affirm the regenerative nature of baptism:
ACTS 2:38
And Peter said to them, "Repent, and be baptized every one of you in the name of Jesus Christ for the forgiveness of your sins; and you shall receive the gift of the Holy Spirit.
ACTS 10:48
And he commanded them to be baptized in the name of Jesus Christ. Then they asked him to remain for some days.
ACTS 19:1-7
While Apollos was at Corinth, Paul passed through the upper country and came to Ephesus. There he found some disciples. And he said to them, “Did you receive the Holy Spirit when you believed?” And they said, “No, we have never even heard that there is a Holy Spirit.” And he said, “Into what then were you baptized?” They said, “Into John’s baptism.” And Paul said, “John baptized with the baptism of repentance, telling the people to believe in the one who was to come after him, that is, Jesus.” On hearing this, they were baptized in the name of the Lord Jesus. And when Paul had laid his hands upon them, the Holy Spirit came on them; and they spoke with tongues and prophesied. There were about twelve of them in all.
ACTS 22:16
And now why do you wait? Rise and be baptized, and wash away your sins, calling on his name.’
MATTHEW 28:19
Go therefore and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit,
JOHN 3:5
Jesus answered, "Truly, truly, I say to you, unless one is born of water and the Spirit, he cannot enter the kingdom of God.
MARK 16:16
He who believes and is baptized will be saved; but he who does not believe will be condemned.
ROMANS 6: 3-4
Do you not know that all of us who have been baptized into Christ Jesus were baptized into his death?
We were buried therefore with him by baptism into death, so that as Christ was raised from the dead by the glory of the Father, we too might walk in newness of life.
GALATIANS 3:27
For as many of you as were baptized into Christ have put on Christ.
COLOSSIANS 2:11-12
In him also you were circumcised with a circumcision made without hands, by putting off the body of flesh in the circumcision of Christ;
and you were buried with him in baptism, in which you were also raised with him through faith in the working of God, who raised him from the dead
EPHESIANS 4:5
one Lord, one faith, one baptism,
TITUS 3:4-8
but when the goodness and loving kindness of God our Savior appeared, he saved us, not because of deeds done by us in righteousness, but in virtue of his own mercy, by the washing of regeneration and renewal in the Holy Spirit,
1 PETER 3:21
Baptism, which corresponds to this, now saves you, not as a removal of dirt from the body but as an appeal to God for a clear conscience, through the resurrection of Jesus Christ,