Ibarra will oversee executive vice presidents MaryLou Barreiro, Sy Henderson, and Kate Muldoon. Like many other banks, Summit has long tried to tap into markets it has determined to be underserved. First Union Corp., BankAmerica Corp., and Bank One Corp. have launched programs during the last two years to attract more female customers. Zions Bancorp. of Salt Lake City even has a women's banking center, staffed primarily by women. Many banks have also launched marketing programs aimed at ethnic minorities. BankAmerica named Grace Geraghty, a longtime executive of the San Francisco bank, to head its ethnic marketing program in 1996. A year later Bank One Corp. hired Jon Munoz from NationsBank Corp. to be its national Hispanic marketing director. Consultants said such programs may be too broad.