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For many minority neighborhoods in New Jersey, their economic world has come to a virtual standstill because most of these areas lack one important ingredient: banks. The Asbury Park Press examines how bankers in New Jersey look at minority areas and how minorities look at these financial giants; how minority communities suffer without banking services; and how unscrupulous merchants gouge the poor by setting up de facto banks in their stores. (Sept. 10 - 24, 1995)