To me, it's someone who lives North of the Mason Dixon Line. That's how I learned it. I mentioned it in the "What is a Canuck?" thread. If that's the case, I'm not sure what the nickname for a Southerner is. However, I see comments on youtube from people outside the U.S. who use the term "yankee" to anyone who is American. They often shorten it to "yank", and use it as an insult.
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sj