Many of the White farmers, and most of the Blacks, were tenant farmers who owned their work animals and tools, and rented the land. Others were day laborers or very poor sharecroppers, who worked under the supervision of the landowner. There was little cash in circulation, because most farmers operated on credit accounts from local merchants, and paid off their debts at cotton harvest time in the fall. Although there were small country churches everywhere, there were only a few dilapidated elementary schools. Apart from private academies, there were very few high schools until the 1920s. Conditions were marginally better in newer areas, especially in Texas and central Florida, with the deepest poverty in South Carolina, Mississippi, and Arkansas.