BOB ABERNETHY: Health care in this country is a big problem for the poor -- not only because they often can't afford it. Sometimes it just isn't there. This is especially true in rural areas, which have a hard time attracting doctors.

Correspondent Judy Valente found a doctor in rural Alabama whose practice is an essential part of her religious calling:

JUDY VALENTE: A buzzard stands guard atop a dying tree in tiny Pine Apple, Alabama: population 343 and falling. A town where living conditions often reflect a bygone era. All but two businesses are boarded up now. A tree grows through the roof of this abandoned dry goods store. And on some days, more dogs than people frequent the town's main street.

Most people here live in houses along dirt roads like these. Some still get their water from spigots in their front yard. More than 90 percent of the people live below the poverty level. For most, the only work available is low-paying, low-skill jobs.

Health care here isn't a right, it's a luxury. But one woman has become a literal lifeline for the people of Pine Apple and the rest of rural Wilcox County.

Dr. Roseanne Cook is one of only three doctors serving Wilcox County's 14,000 residents. She came here in 1986 after graduating from medical school at age 44. But medicine is not her only line of work.

Few of the 5,000 patients Dr. Cook treats on a regular basis know that she is a sister of St. Joseph -- a Catholic nun since 1958.

Dr. ROSEANNE COOK: I was praying one evening and it just seemed like there was something the Lord wanted me to do, something with my life, more than I was doing.

VALENTE: Dr. Cook had planned to become a medical missionary in a remote, poverty-stricken area overseas, little knowing her mission would take her to a remote area [here] with tremendous needs.

A colleague, Sister Jane Kelly, was already working at the Pine Apple Clinic as a nurse practitioner. She warned Dr. Cook it wouldn't be easy, but that hardly prepared Sister Roseanne, as she is also known, for the problems she would find.

Dr. COOK: We have people -- you know-- 35-year-olds with strokes that cripple them for life. We see people who have had broken bones that were not set and end up with a crooked arm or leg. I had one man come in, he had put cobwebs into a laceration on his hand in order to stop the bleeding.

Mrs. ETHEL LEE WILLIAMS (Patient): I have high blood, nerves, pressure, arthritis, sinus.

VALENTE: Eighty percent of the patients Dr. Cook sees have no insurance, and many suffer from a multitude of ailments, like 72-year-old Ethel Lee Williams.

As with many of her patients, Dr. Cook provides Mrs. Williams with free samples of medication because she can't afford to buy medicine.

Because there are so few physicians, Dr. Cook spends at least one night a week on call for the emergency room at the area's sole hospital. By necessity, she often performs procedures that in other places, a specialist would do.

Dr. COOK: We set uncomplicated fractures and put casts on, do skin biopsies, sometimes remove cysts. We don't have a pediatrician on hand so we take care of children.

VALENTE: She says the problem isn't a nationwide shortage of doctors, but a "maldistribution" of doctors. Large cities and suburban areas enjoy an oversupply. Rural areas and poor inner-city neighborhoods are underserved.