An attempt was made to determine individual thermal resistances of 2-lining fabrics ad 4-outer fabrics for Korean-styled clothes, and 4-lining fabrics ad 5-outer fabrics for Western-styled clothes at $19^{circ}C$ and $24^{circ}C$. The thermal insulation effects for different lining fabrics in Korean and Western-styled clothes were deduced in determining heart rate, rectal temperature, mean skin temperature and microclimates of subjects. The subjects were dressed experimental clothing which were made of lining and outer fabrics in question, and seated in an environmental chamber during the experiment. 1. Thermal resistances of lining fabrics : For Korean-styled clothes. nylon sheer is larger than unzosa. For Western-styled clothes, rayon, acetate, nylon(taffeta) and kalkali in that order. 2. Thermal resistances of lining fabrics combined : with outer fabrics: For Korean-styled clothes. the measured value is larger than the one of simple aggregate value. But in the case of Western-styled clothes, the measured value is smaller than simple aggregate value. 3. The effects of lining on the thermal insulation of the whole clothing: In case when subjects wore unlimited number of underwear, no matter what lining fabrics were used in Korean and Western-styled clothes less thermal insulation effects were indicated. For the case, however, if subjects wore only limited underwear, there are significant differences of thermal insulation between experimental clothings.