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This study examines the possible stress-buffering properties of personal competence and social support with regard to depressive symptoms. The hypothesis examined was that individuals lacking both internal and external resources would manifest higher levels of symptoms as a result of increasing number of life events than would individuals possessing such resources. Further, variation by gender was considered. Data on depressive symptoms (CES-D Scale), personal competence, social support, and life events were obtained in a 70-minute interview with randomly selected samples of white married adults (n = 965) from rural counties of Tennessee, Oklahoma, and Ohio. Analyses indicated both the main and buffering effects of personal competence and social support for the total sample. However, these effects varied by sex. While personal competence and life events had consistent main effects for both married males and females—individuals with more stress or lower levels of competence had higher levels of symptoms—effects of social support were more pervasive among the females. Finally, personal competence appeared to have a greater buffering effect than the presence of social support alone. There was also an unanticipated tendency for greater vulnerability to stressors among individuals (particularly males) under conditions of low competence and high support. [ABSTRACT FROM AUTHOR]