An adult man tends to carry body fat in
his chest, abdomen and buttocks, producing an "apple" shape.
An adult woman tends to carry fat in her breasts, hips, waist and buttocks, creating a "pear" shape.
The difference in fat location comes from the sex hormones estrogen and testosterone. Fat cells are formed in the developing fetus during the third trimester of pregnancy, and later at the onset of puberty, when the sex hormones "kick in.