The effects of municipal sewage treatment plants on the water quality and effluent loading were investigated. BOD removal rates from Wonju, Hoengseong, and Hongcheon municipal sewage treatment plants were $88.9\%,;80.6\%,;90.7\%$ and T-P removal rates were $47.3\%,;56.5\%,;71.6\%,$ respectively. Also, BOD effluent leading from WonJu, Hoengseong, and Hongcheon treatment plants were 1,520 kg/day, 75 kg/day, 55 kg/day and T-P effluent loading were 203.9 kg/day, 4.2 kg/day, 4.0 kg/day, respectively. In terms of water quality distribution by distance of flow, BOD of the Seom river rapidly rose from 1.6 mg/l to 4.0 mg/l and T-P rose from 0.034 mg/l to 0.321 mg/l. Also BOD of the Hongcheon river showed a slowly rise from 1.1 mg/l to 1.4 mg/l and T-P from 0.011 mg/l to 0.026 mg/l. In conclusion, the effects of municipal sewage treatment plants on the water quality proved that T-P was higher than BOD. Consequently, in order to improve water quality, it is necessary to adopt an advanced sewage treatment system like nutrient removal.