According to 1990 U.S. Census data, the population of the bank=s defined assessment area totaled 131,920. The racial and ethnic makeup of the population within the assessment area is as
follows: Whites 106,300 or 80.58%; Blacks 16,681 or 12.64%; individuals of Hispanic descent
7,614 or 5.77%; and all other minorities 1,325 or 0.01%.