A four-point seat belt system for restraining a vehicle occupant in a vehicle seat is disclosed. Two shoulder belts are provided which are buckled together with a pair of lap belts. The convergence of the shoulder belts created at the buckles defines a V-shaped configuration which aids in occupant safety and comfort. Movably-adjustable retractors are provided to anchor the upper end of each shoulder belt to the vehicle seat. A movable headrest having a pair of laterally-adjustable belt loops is provided to further enhance occupant security and comfort.