A digital model calibrated to conditions in Sand Creek near Greensburg, Ind., was used to develop alternatives for future waste loadings that would be compatible with Indiana stream water-quality standards defined for two critical hydrologic conditions, summer and winter low flows. The only point-source waste load affecting Sand Creek in the vicinity of Greensburg is the Greensburg wastewater-treatment facility. Non-point, unrecorded waste loads seemed to be significant during three water-quality surveys done by the Indiana State Board of Health. Natural streamflow in Sand Creek during the summer and annual 7-day, 10-year low flow is zero so no benefit from dilution is provided. Effluent ammonia-nitrogen concentrations from the Greensburg wastewater-treatment facility will not meet Indiana water-quality standards during summer and winter low flows. To meet the water-quality standard the wastewater-effluent would be limited to a maximum total ammonia-nitrogen concentration of 2.5 mg/l for summer months (June through August) and 4.0 mg/l for winter months (November through March). Model simulations indicate that benthic-oxygen demand, nitrification, and the dissolved-oxygen concentration of the wastewater effluent are the most significant factors affecting the in-stream dissolved-oxygen concentration during summer low flows. The model predicts that with a benthic-oxygen demand of 1.5 grams per square meter per day at 20C the stream has no additional waste-load assimilative capacity. Present carbonaceous biochemical-oxygen demand loads from the Greensburg wastewater-treatment facility will not result in violations of the in-stream dissolved-oxygen standard (5 mg/l) during winter low flows. (Kosco-USGS)