The purpose of this study is to compare calculated pollutant loadings using pollutant load unit factors and vector type coverage, and expected mean concentration(EMC) and raster type of digital elevation model(DEM). This study is also focusing on comparison of the advantages and the disadvantages of the two methods, and seeking for a method of calculation of pollutant loadings using DEM. Estimation of pollutant inputs using pollutant load unit factors has limitations in identifying seasonal variations of pollutant loadings. Seasonal changes of runoffs should be considered in the calculation of pollutant loadings from catchments into reservoirs. Evaluation of pollutant inputs using runoff-coefficient and EMC can overcome these drawbacks. Proper EMC and runoff-coefficient values for the Koeup stream catchments of the Koheung estuarine lake were drawn from review of related papers. Arc/Info was employed to establish database of spatial and attribute data of point and non-point pollutant sources and characteristics of the catchments. ArcView was used to calculate point and non-point pollutant loadings. Pollutant loads estimated with either unit factors-coverages, i.e., pollutant load unit factors and vector coverages f point sources and land use, or EMC and digital elevation mode(DEM) were compared with stream monitoring loads. We have found that some differences were shown between monitoring results and estimated loads by Unit Factors-Coverage and EMC-DEM. Monthly variations of pollutant loads evaluated with EMC-DEM were similar to those with monitoring result. The method using EMC-DEM can calculate accumulated flows and pollutant loads and can be utilized to identify stream networks. A future research on correcting the difference between vector type stream using flow direction grid and digitalizing vector type should be conducted in order to obtain more exact calculation of pollutant loadings.