The bits and power allocation model of adaptive power-rate mixture for multi-user multi-server power-line communication systems was analyzed with the restrictions of maximal total power, fixed rate for each real time (RT) user, minimal rate for each non-real time (NRT) user, maximal bits and power for each subcarrier in each orthogonal frequency division multiplexing (OFDM) symbol. An algorithm of resource dynamic allocation in the first OFDM symbol of each frame and resource optimal adjustment in the latter OFDM symbol of each frame was proposed. In the first OFDM symbol of every frame, resource is firstly assigned for RT users so as to minimize their total used power until satisfying their fixed rates; secondly the remainder resource of power and subcarriers are assigned for NRT users so as to minimize their total used power until satisfying their minimal rates also; lastly the remainder resource is again assigned for NRT users according to the proportional faess strategy so as to maximize their total assigning rate. In the latter OFDM symbol of each frame, bits are swapped and power is adjusted for every user based on the resource allocation results of anterior OFDM symbol. The algorithm is tested in the typical power-line channel scenarios and the simulation results indicate that the proposed algorithm has better performances than the classical multi-user resource allocation algorithms and it realizes the multiple aims of multi-user multi-server resource allocation for power-line communication systems.