The scale effect should be considered to determine the bearing capacity and settlement of footings from Plate-Load Test, because of the size difference between a footing and a loading plate. To analyze characteristics of bearing capacity and settlement according to the difference of loading plate sizes, model tests were performed with four different sizes of square plate, which are B=10, 15, 20 and 25cm, on five different kinds of subsoil. Based on the analyzed results, this paper also proposes a method of bearing capacity and settlement determination, where scale effect is considered depending on the mixing ratio of sand and clay. Until now, uneconomic constructions have been conducted because of unreasonable evaluation in estimating bearing capacity and settlement of footings from Plate-Load Test in fields. In the application of the formula proposed in this research to field problems, it is expected that evaluation of bearing capacity and settlement of footings can be more reliable and more economic construction can be achieved.