Although the oldest-old are the fastest growing segment in the rural population, little is known about their social and economic needs, their awareness of social programs, or their use of social services. This study was conducted to assess the social, economic, and health needs of the oldest-old (over the age of 85 years) as compared to those of the old-old (ages 75-84) and the young-old (60-74) in rural upstate New York. A proportionate stratified cluster sample of older adults (N=456) were interviewed. Factors that might be predictive of program use, such as the respondent's awareness of the program, involvement or participation in groups, level of need, years of education, and control over one's life were examined. Analysis of variance showed that, compared to younger elderly respondents, the oldest-old respondents had the greatest social and economic need and were least likely to actually use programs. These findings have important implications for agencies at all levels of government responsible for the delivery of services and programs aimed at the well-being of the aged. (Author/NB)