The present invention provides a developing apparatus using a two-component developer, an image forming apparatus, and a method of forming an image capable of forming a high quality image characterized by stable suppression of carrier deterioration and absence of a residual image (memory effect) for a long period of time. The voltage formed by overlapping AD voltage to DC voltage is applied separately to each of the developer carrying member and the toner carrying member. The toner separation field made up of AC field is formed between the developer carrying member and the toner carrying member, and the development electric field made up AC field is formed between the toner carrying member and the image carrying member.