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This paper seeks to assess the utility of the transactional model of individual stress. According to the logic of the model, whether persons manifest stress is a multiplicative function of both situational and individual characteristics. The paper briefly discusses possible advantages of the perspective over other frames of reference. Then it describes a pilot study designed to determine whether hypotheses based on the transactional model could be supported empirically. Utilizing interview data from a small probability sample of all adults in the state of Missouri, scales were constructed by an improved method of item analysis for use as indicators of variations in stress and the situational and individual factors. Comparing stress scores by situational and individual variables produced results indicative of a multiplicative relationship and thus supportive of theories derived from the transactional perspective. [ABSTRACT FROM AUTHOR]