Abstract: An improved panty liner and crotch construction for panties or the like featuring, in the first embodiment, a moisture absorbent layer secured to a moisture impermeable layer to form a pad-like structure which is sandwiched between an external layer and internal moisture permeable layer of the crotch section of the panty. The moisture absorbent layer and moisture impermeable layer can be stitched along their respective edges, and any seam holes created in the moisture impermeable layer by such stitching is sealed using a seam sealer. In the second embodiment of the invention the moisture impermeable layer is releasably secured to both the moisture absorbent layer and the external layer of the panty so that the moisture absorbent layer can be disposed of once soiled, and the moisture impermeable layer can be re-used once the normal lifetime expectancy of the panty has been reached.