# 1995 NAIA Division II football season

The 1995 NAIA Division II football season, as part of the 1995 college football season in the United States and the 40th season of college football sponsored by the NAIA, was the 26th season of play of the NAIA division II for football.
The season was played from August to November 1995 and culminated in the 1995 NAIA Division II Football National Championship, played in Tacoma, Washington.
Central Washington and Findlay played to a 21–21 tie and were named co-national champions. It was the Wildcats' first NAIA national title and the Oilers' third.

## Conference and membership changes
### Conference changes

* This was the final season that the NAIA officially recognized a conference champion in football from the Texas Intercollegiate Athletic Association (TIAA). The remaining TIAA members subsequently joined either the NCAA Division II Lone Star Conference or the NCAA Division III American Southwest Conference.

## Conference standings

1995 Association of Mideast Colleges football standings :
| 1995 Association of Mideast Colleges football standings vteConfOverall TeamW L TW L T Thomas More $ 3 –0 –010 –0 –0 Mount St. Joseph 1 –2 –05 –4 –0 Bluffton 1 –2 –05 –5 –0 Wilmington (OH) 1 –2 –02 –6 –1 $ – Conference champion | 1995 Columbia Football Association standings vteConfOverall TeamW L TW L T Mount Hood League No. 15 Pacific Lutheran x^ 4 –0 –16 –3 –1 No. 18 Willamette x 4 –0 –16 –2 –1 No. 21 Linfield 3 –2 –06 –3 –0 Puget Sound 2 –3 –02 –7 –0 Lewis & Clark 1 –4 –05 –4 –0 Whitworth 0 –5 –01 –8 –0 Mount Rainier League No. 1 Western Washington x^ 5 –0 –09 –1 –0 No. 14 Central Washington ^ 4 –1 –010 –3 –1 Simon Fraser 2 –3 –04 –6 –0 Southern Oregon 2 –3 –04 –5 –0 Western Oregon 1 –4 –02 –7 –0 Eastern Oregon 1 –4 –01 –8 –0 x – League champion/co-champions ^ – NAIA Division II playoff participantRankings from NAIA Division II poll | 1995 Heart of America Athletic Conference football standings vteConfOverall TeamW L TW L T No. 3 Benedictine (KS) $^ 8 –0 –09 –1 –0 No. 20 Evangel 6 –1 –16 –2 –1 No. 23 MidAmerica Nazarene 5 –2 –18 –2 –1 No. 24 Missouri Valley 5 –3 –07 –3 –0 Culver–Stockton * 3 –5 –05 –5 –0 William Jewell 3 –5 –03 –6 –0 Baker 2 –6 –03 –6 –0 Graceland 2 –6 –02 –8 –0 Central Methodist 1 –7 –02 –8 –0 $ – Conference champion^ – NAIA Division II playoff participant * – Includes forfeit win over Kansas WesleyanRankings from NAIA Division II poll |
| 1995 Illini–Badger Football Conference standings vteConfOverall TeamW L TW L T Eureka $ 6 –0 –09 –1 –0 Concordia (WI) 4 –2 –07 –2 –0 Lakeland 4 –2 –06 –3 –1 Quincy 4 –2 –04 –6 –0 Greenville 2 –4 –02 –7 –0 MacMurray 1 –5 –03 –7 –0 Concordia (IL) 0 –6 –01 –8 –0 $ – Conference champion^ – NAIA Division II playoff participant | 1995 Kansas Collegiate Athletic Conference football standings vteConfOverall TeamW L TW L T No. 10 Bethany (KS) $^ 8 –0 –010 –1 –0 Ottawa 6 –2 –07 –3 –0 Southwestern (KS) 5 –3 –06 –4 –0 Friends 5 –3 –05 –4 –0 Bethel (KS) 4 –4 –04 –5 –0 McPherson 4 –4 –04 –6 –0 Sterling 3 –5 –03 –7 –0 Kansas Wesleyan * 1 –7 –01 –9 –0 Tabor 0 –8 –00 –10 –0 $ – Conference champion^ – NAIA Division II playoff participant * – Kansas Wesleyan forfeited seven victories including conference wins over Ottawa, Friends, Bethel (KS), McPherson, and Sterling.Rankings from NAIA Division II poll | 1995 Mid-South Conference football standings vteConfOverall TeamW L TW L T No. 4 Lambuth $^ 7 –0 –110 –1 –1 No. 16 Union (KY) 6 –1 –17 –2 –1 Georgetown (KY) 6 –2 –06 –4 –0 Cumberland (KY) 5 –3 –06 –4 –0 Cumberland (TN) 4 –4 –04 –6 –0 Tusculum 3 –5 –03 –6 –0 Campbellsville 2 –6 –03 –8 –0 North Greenville 2 –6 –05 –6 –0 Bethel (TN) 0 –8 –00 –10 –0 $ – Conference champion^ – NAIA Division II playoff participantRankings from NAIA Division II poll |
| 1995 Mid-States Football Association standings vteConfOverall Team W L W L  Mideast League No. 6 Malone x^ 3 –0 –110 –1 –1 No. 11 Geneva ^ 3 –1 –09 –2 –0 Westminster (PA) 2 –1 –14 –3 –2 Tiffin 1 –3 –03 –6 –1 Urbana 0 –4 –00 –10 –0 Midwest League No. 8 Findlay x^ 4 –1 –010 –1 –2 Trinity International x 4 –1 –06 –4 –0 Lindenwood 2 –3 –04 –7 –0 Taylor 2 –3 –04 –7 –0 Saint Xavier 2 –3 –02 –8 –0 Olivet Nazarene 1 –4 –02 –8 –0 St. Ambrose * 0 –0 –06 –4 –0 Iowa Wesleyan * 0 –0 –01 –10 –0 x – League champion/co-champions ^ – NAIA Division playoff participant * – ineligible for championshipRankings from NAIA Division II poll | 1995 Nebraska-Iowa Athletic Conference football standings vteConfOverall TeamW L TW L T No. 17 Hastings $^ 5 –1 –07 –2 –1 No. 19 Northwestern (IA) 4 –2 –07 –3 –0 Dana 3 –3 –06 –4 –0 Midland 3 –3 –06 –4 –0 Doane 3 –3 –03 –6 –0 Nebraska Wesleyan 2 –4 –03 –7 –0 Concordia (NE) 1 –5 –03 –6 –0 $ – Conference champion^ – NAIA Division II playoff participantRankings from NAIA Division II poll | 1995 North Dakota College Athletic Conference football standings vteConfOverall TeamW L TW L T No. 7 Dickinson State $^ 6 –0 –010 –1 –0 No. 9 Mary ^ 5 –1 –011 –2 –0 Minot State 3 –3 –05 –4 –0 Mayville State 3 –3 –04 –5 –0 Valley City State 2 –4 –04 –5 –0 Jamestown 1 –5 –03 –6 –0 Minnesota–Crookston 1 –5 –03 –7 –0 $ – Conference champion^ – NAIA Division II playoff participantRankings from NAIA Division II poll |
| 1995 South Dakota Intercollegiate Conference football standings vteConfOverall TeamW L TW L T No. 2 Sioux Falls $^ 5 –0 –011 –1 –0 No. 22 Huron 4 –1 –08 –2 –0 South Dakota Tech 3 –2 –05 –5 –0 Black Hills State 1 –4 –02 –8 –0 Dakota Wesleyan 1 –4 –01 –9 –0 Dakota State 1 –4 –01 –9 –0 $ – Conference champion^ – NAIA Division II playoff participantRankings from NAIA Division II poll | 1995 Texas Intercollegiate Athletic Association football standings vteConfOverall TeamW L TW L T No. 5 Hardin–Simmons +^ 7 –1 –09 –2 –0 No. 13 Howard Payne +^ 7 –1 –07 –3 –0 Austin 4 –4 –04 –5 –0 Sul Ross 2 –6 –03 –6 –0 McMurry 0 –8 –01 –9 –0 $ – Conference champion^ – NAIA Division II playoff participantRankings from NAIA Division II poll | 1995 NAIA Division II independents football records vteConfOverall TeamW L TW L T No. 12 Clinch Valley ^   –  10 –2 –0 Azusa Pacific   –  4 –4 –1 Peru State   –  3 –5 –1 Sue Bennett   –  0 –11 –0 ^ – NAIA Division II playoff participantRankings from NAIA Division II poll |

## Conference champions

| Conference | Champion | Record |
| Columbia | Mount Rainier League: Western Washington Mount Hood League: Pacific Lutheran & Willamette | 5–0 4–0–1 |
| Heart of America | Benedictine | 8–0 |
| Kansas | Bethany | 8–0 |
| Mid-South | Lambuth | 7–0–1 |
| Mid-States | Mideast Division: Malone Midwest Division: Findlay & Trinity International | 3–0–1 4–1 |
| Nebraska-Iowa | Hastings | 5–1 |
| North Dakota | Dickinson State | 6–0 |
| South Dakota | Sioux Falls | 5–0 |
| Texas | Hardin–Simmons Howard Payne | 7–1 |

## Postseason

| First Round Campus sites | First Round Campus sites | Quarterfinals Campus sites | Quarterfinals Campus sites | Semifinals Campus sites | Semifinals Campus sites | Championship Tacoma, WA | Championship Tacoma, WA | Championship Tacoma, WA |
| Western Washington* | 21 | | | | | | | |
| Central Washington | 28 | | | | | | | |
| Central Washington | 28 | Central Washington | 40 | | | | | |
| | | Hardin–Simmons* | 20 | | | | | |
| Hardin–Simmons* | 17 | Hardin–Simmons* | 20 | | | | | |
| Howard Payne | 6 | | | | | | | |
| Howard Payne | 6 | | | Central Washington ‡ | 48 | | | |
| | | | | Mary | 7 | | | |
| Mary* | 14 | | | | | Mary | 7 | | | |
| Dickinson State | 8 | | | | | | | |
| Dickinson State | 8 | Mary* | 42 | | | | | |
| | | Sioux Falls | 17 | | | | | |
| Hastings* | 23 | Sioux Falls | 17 | | | | | |
| Sioux Falls | 41 | | | | | | | |
| Sioux Falls | 41 | | | | | | Central Washington | 21 |
| | | | | | | | Findlay | 21 |
| Findlay* | 21 | | | | | | | | Findlay | 21 |
| Pacific Lutheran | 7 | | | | | | | |
| Pacific Lutheran | 7 | Findlay* | 15 | | | | | |
| | | Malone | 7 | | | | | |
| Malone* | 24 | Malone | 7 | | | | | |
| Geneva | 23 | | | | | | | |
| Geneva | 23 | | | Findlay | 63 | | | |
| | | | | Lambuth* | 13 | | | |
| Benedictine (KS)* | 29 | | | | | Lambuth* | 13 | | | |
| Bethany (KS) | 30 | | | | | | | |
| Bethany (KS) | 30 | Bethany (KS) | 28 | | | | | |
| | | Lambuth* | 63 | | | | | |
| Lambuth* | 49 | Lambuth* | 63 | | | | | |
| Clinch Valley | 10 | | | | | | | |
* ‡ Game played at Puyallup, Washington