Abstract: A vest hold-down system for ballistic resistant vests includes a form fitting elastic lower body undergarment having a waist portion, a crotch portion, and leg portions, with strips of hook-and-loop fastener material on the front and rear portions; and an upper body vest made of flexible fabric having a front member with lateral side portions which extend around the sides of a wearer and are releasably connected with a back member, elastic shoulder straps connecting the front and back members which extend over the wearer's shoulders, and pockets in the front and rear members and lateral side portions which receive ballistic resistant pads or panels. A pair of laterally adjacent generally rectangular front flaps of flexible fabric extends downwardly from the front member and terminates a distance below the wearer's waist, and at least one generally rectangular rear flap of flexible material extends downwardly from the back member and terminates a distance below the wearer's waist.