This study examines patterns of service utilization among Hispanics, Whites, and Blacks living in the South Bronx, New York City. Surveyed were 381 respondents on their use of the following types of services: (1) mental health services; (2) services for female heads of families; (3) services for disabled persons; and (4) services for elderly persons. The study also assesses the needs that give rise to service utilization, and reviews the research and theory pertaining to Hispanic underutilization of services. Findings are presented in the following areas: (1) patterns of use of services; (2) knowledge of and satisfaction with services; and (3) factors associated with use of services. In general, substantial proportions of Hispanics, Blacks, and Whites who live in inner-city areas like the one surveyed are not able to take advantage of the mental health and social services that they report they need. Policy recommendations are offered. Data are presented on 27 tables and figures. Seven lists comprising 105 references are included. An appendix assesses the reliability of the Demoralization Scale, one of the survey instruments used in the study. (BJV)