Glenn,
Many of late SMC era Patriots (1997 to 2002) had this problem. It is caused by the way that the overflow pipe is plumbed into the tank. To correct the problem you need to install a vacuum break into the high point on the overflow pipe.
Michael,
You can not cut a hole into the SMC era water tanks and fill them manually because the tanks are mounted in a non-accessible location, like between the frame rails above the basement.
Gerald