Samples of water, soil, and sediment were taken from 10 streams of Andong city in Gyeongbuk province in October 2004. To assess the degree of environmental pollution for each stream site, the chemical analyses of pollutants such as T-N, T-P, COD, heavy metal, organophosphorous and organochlorine pesticides, and dioxin-like PCB congeners were implemented using the standard process tests or the U. S. EPA methods. In addition, biological assessment using insect immune biomarkers was conducted on the same environmental samples to complement the chemical assessment. Except Waya stream (T-N; 2.91 mg/L, T-P; 0.16 mg/L, COD; 14.0 mg/L) with above the environmental quality standards, the T-P and COD concentrations of 9 sites are relatively low. The contents of Pb and Cd in samples taken from each stream were much lower than environmental quality standards. However, in comparison with soil samples of other streams, several times higher concentrations of Pb and Cd were found in locations at Mi, Gilan, Yeonha, and Waya stream sites. Dementon-S-methyl, diazinon, parathion, and phenthoate compounds among organophosphorous pesticides were detected as concentrations of ppb levels, respectively, from soil samples collected in the vicinity of Gilan, Mi, Norim, and Waya stream. On the other hand, 16 organochlorine pesticides and 12 dioxin-like PCB congeners selected in this study were not found in all samples. In particular, considering significant disrupting effects of Waya stream's samples on insect immune capacity, this stream seems to be contaminated with investigated and/or uninvestigated pollutants in this study.