When addressing invitations to female married co-workers

and I do not know their husbands (but I am inviting them) do I put

Mr. & Mrs. Joe Schmoe

or Mrs. Jane Schmoe

and on the inside envelope put 'Joe and Jane Schmoe'

??

Thanks
Mary

Mr. and Mrs. Joe Schmoe on the outer env.

Joe and Jane Schmoe on the inner env.

YEA!!! Are you sending out your invites soon!!! How exciting!!!!!
Christine said it right, so i wont respond..Im just excited for you!

Personally, I am offended when I see that women's first names are dropped and they only get an 's' (as in Mrs Husband's name)
I know lots of my friends feel the same way and my Fi who is not American thinks that it is so strange that married women lost their first names when they get married.

It may not be traditional etiquette - but I would rather not offend anyone by assuming they go by their husband's name.

Mrs Jane Smith & Mr John Smith is the safest way to go (esp for younger people)

I was reading that for the inner envleope you drop the 'Husband's' first name and just use

Outer Envelope
Mr. and Mrs. [Husband's First Name] [Last Name]

Inner Envelope
Mr. and Mrs. [Last Name]

Here's the link:http://www.verseit.com/VerseIt_AddressingEnvelopes.cfm