This paper using finite difference scheme for the numerical solution of advection-dispersion equation develops a one-dimensional water quality model. The model algorithm has some modification over other steady state models including QUAL2E, which have been used steady state implementation of implicit backward-difference numerical scheme. The computer program in the developed model contains a special unsteady state implementation of four point implicit upwind numerical schemes using double sweep method. The superiority of this method in the modeling procedure results the simulation efficacy under simplified conditions of effluent discharge from point and non-point sources. The model is helpful for eye view assessment of degree of interaction between model variables for strategic planning purposes. The model has been applied for the water quality simulation of the Hanjiang River basin using flow computation model. Model simulation results have shown the pollutants prediction, dispersion and impact on the existing water quality.Model test shows the model validity comparing with other sophisticated models. Sensitivity analysis was performed to overview the most sensitive parameters followed by calibration and verification process.