The subject of propagating waves on fluid-loaded plates and shells, and their acoustic excitation, has become of great current interest. Besides the existence of the Lamb-type plate or shell wave modes, a water-borne Scholte-Stoneley wave has been found on plates or shells specifically with one-sided water loading. Another specific case is that with two-sided water (or same-fluid) loading; here a symmetrical Scholte-Stoneley wave was found in addition to an antisymmetric one. In this paper, more generally, the plate loaded with two different fluids is discussed via the corresponding dispersion curves of plate and fluid-borne waves. The existence of two Scholte-Stoneley waves has been confirmed for this case.