# 1995 NCAA Division III football season

The 1995 NCAA Division III football season, part of the college football season organized by the NCAA at the Division III level in the United States, began in August 1995, and concluded with the NCAA Division III Football Championship, also known as the Stagg Bowl, in December 1995 at Salem Football Stadium in Salem, Virginia. The Wisconsin–La Crosse Eagles won their second Division III championship by defeating the Rowan Profs, 36−7. The Gagliardi Trophy, given to the most outstanding player in Division III football, was awarded to Chris Palmer, wide receiver from St. John's (MN).

## Conference changes and new programs

| School | 1994 Conference | 1995 Conference |
| Albany | D-III Independent | D-II Independent |

## 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 Centennial Conference football standings vteConfOverall TeamW L TW L T Franklin & Marshall $ 6 –1 –07 –3 –0 Dickinson 5 –1 –17 –2 –1 Johns Hopkins 4 –2 –16 –3 –1 Western Maryland 3 –2 –25 –3 –2 Gettysburg 3 –3 –15 –4 –1 Swarthmore 3 –4 –05 –5 –0 Ursinus 1 –6 –03 –7 –0 Muhlenberg 0 –6 –10 –9 –1 $ – Conference champion | 1995 College Conference of Illinois and Wisconsin football standings vteConfOverall TeamW L TW L T Wheaton (IL) $^ 7 –0 –010 –1 –0 Illinois Wesleyan 6 –1 –06 –3 –0 Augustana (IL) 5 –2 –06 –3 –0 Millikin 3 –4 –05 –4 –0 Carthage 2 –4 –13 –5 –1 Elmhurst 2 –5 –02 –7 –0 North Central (IL) 1 –5 –13 –5 –1 North Park 1 –6 –02 –7 –0 $ – Conference champion^ – NCAA Division III playoff participant |
| 1995 Eastern Collegiate Football Conference standings vteConfOverall TeamW L TW L T Stonehill $ 8 –0 –09 –1 –0 Bentley 7 –1 –09 –1 –0 Salve Regina 6 –2 –07 –2 –0 Assumption 5 –3 –06 –4 –0 MIT 3 –4 –03 –5 –0 Sacred Heart 2 –4 –03 –7 –0 Western New England 2 –6 –02 –6 –0 Curry 1 –7 –02 –8 –0 Nichols 0 –7 –00 –9 –0 $ – Conference champion | 1995 Freedom Football Conference standings vteConfOverall TeamW L TW L T Plymouth State $^ 7 –0 –09 –1 –0 Western Connecticut 4 –2 –07 –2 –1 Springfield (MA) 3 –2 –08 –2 –0 Stony Brook 3 –2 –07 –3 –0 WPI 3 –3 –04 –5 –0 Merchant Marine 2 –3 –05 –4 –0 Coast Guard 2 –4 –04 –6 –0 Norwich 2 –5 –03 –6 –0 UMass Lowell 0 –5 –00 –10 –0 $ – Conference champion^ – NCAA Division III playoff participant | 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 Indiana Collegiate Athletic Conference football standings vteConfOverall TeamW L TW L T Hanover $^ 6 –0 –010 –1 –0 Rose–Hulman 4 –2 –06 –4 –0 Franklin (IN) 3 –3 –06 –4 –0 Manchester 3 –3 –04 –6 –0 Anderson (IN) 2 –4 –06 –4 –0 Wabash 2 –4 –05 –5 –0 DePauw 1 –5 –03 –7 –0 $ – Conference champion^ – NCAA Division III playoff participant | 1995 Iowa Conference football standings vteConfOverall TeamW L TW L T Central (IA) $^ 8 –0 –010 –1 –0 Wartburg 7 –1 –09 –1 –0 Simpson (IA) 6 –2 –07 –3 –0 Loras 5 –3 –07 –3 –0 Upper Iowa 4 –4 –03 –6 –0 Buena Vista 2 –6 –02 –7 –0 Dubuque 2 –6 –02 –8 –0 Luther 2 –6 –02 –8 –0 William Penn 0 –8 –00 –10 –0 $ – Conference champion^ – NCAA Division III playoff participant | 1995 Michigan Intercollegiate Athletic Association football standings vteConfOverall TeamW L TW L T Albion $ 5 –0 –08 –1 –0 Adrian 3 –2 –06 –3 –0 Alma 3 –2 –06 –3 –0 Kalamazoo 3 –2 –04 –5 –0 Hope 1 –4 –02 –7 –0 Olivet 0 –5 –03 –6 –0 $ – Conference champion |
| 1995 Middle Atlantic Conference football standings vteConfOverall TeamW L TW L T Commonwealth Widener x^ 5 –0 –08 –3 –0 Albright 4 –1 –08 –3 –0 Moravian 2 –2 –17 –2 –1 Juniata 1 –3 –12 –7 –1 Susquehanna 1 –4 –05 –5 –0 Lebanon Valley 1 –4 –03 –7 –0 Freedom Wilkes x 3 –1 –09 –2 –0 Lycoming x^ 3 –1 –08 –3 –0 Fairleigh Dickinson–Florham 2 –2 –04 –5 –0 Delaware Valley 1 –3 –03 –7 –0 King's (PA) 1 –3 –01 –9 –0 x – Division champion/co-champions^ – NCAA Division III playoff participant | 1995 Midwest Conference football standings vteConfOverall TeamW L TW L T North Division Ripon xy 4 –1 –08 –2 –0 Beloit 4 –1 –08 –1 –0 Carroll (WI) 4 –1 –06 –3 –0 Lawrence 2 –3 –04 –5 –0 St. Norbert 1 –4 –01 –8 –0 Lake Forest 0 –5 –00 –9 –0 South Division Cornell (IA) xy$ 5 –0 –09 –1 –0 Coe 4 –1 –07 –3 –0 Knox 3 –2 –06 –3 –0 Grinnell 2 –3 –04 –5 –0 Illinois College 1 –4 –02 –7 –0 Monmouth (IL) 0 –5 –00 –9 –0 Championship: Cornell (IA) 38, Ripon 17 $ – Conference championx – Division champion/co-championsy – Championship game participant | 1995 Minnesota Intercollegiate Athletic Conference football standings vteConfOverall TeamW L TW L T Saint John's (MN) + 7 –1 –18 –1 –1 Concordia–Moorhead +^ 7 –1 –18 –2 –1 Hamline 6 –3 –07 –3 –0 St. Thomas (MN) 6 –3 –06 –4 –0 Augsburg 5 –4 –06 –4 –0 Bethel (MN) 5 –4 –06 –4 –0 St. Olaf 4 –5 –05 –5 –0 Carleton 3 –6 –03 –7 –0 Gustavus Adolphus 1 –8 –01 –9 –0 Macalester 0 –9 –01 –9 –0 + – Conference co-champions^ – NCAA Division III playoff participant |
| 1995 New England Football Conference standings vteConfOverall TeamW L TW L T Worcester State $ 8 –0 –09 –2 –0 Maine Maritime 6 –2 –07 –2 –0 Massachusetts Maritime 6 –2 –07 –2 –0 Bridgewater State 6 –2 –06 –4 –0 UMass Dartmouth 3 –5 –04 –6 –0 Westfield State 3 –5 –03 –6 –0 Framingham State 2 –6 –02 –7 –0 UMass–Boston 1 –7 –02 –7 –0 Fitchburg State 1 –7 –01 –8 –0 $ – Conference champion | 1995 New England Small College Athletic Conference football standings vteConfOverall TeamW L TW L T Williams 7 –0 –17 –0 –1 Trinity (CT) 6 –2 –06 –2 –0 Amherst 5 –2 –15 –2 –1 Colby 5 –3 –05 –3 –0 Hamilton 5 –3 –05 –3 –0 Tufts 4 –4 –04 –4 –0 Wesleyan 3 –5 –03 –5 –0 Middlebury 2 –6 –02 –6 –0 Bates 1 –7 –01 –7 –0 Bowdoin 1 –7 –01 –7 –0 No conference champion recognized | 1995 New Jersey Athletic Conference football standings vteConfOverall TeamW L TW L T Rowan $^ 5 –0 –010 –3 –1 Trenton State 4 –1 –08 –3 –0 Kean 3 –2 –03 –4 –2 Montclair State 2 –3 –03 –6 –0 Jersey City State 1 –4 –01 –9 –0 William Paterson 0 –5 –00 –10 –0 $ – Conference champion^ – NCAA Division III playoff participant |
| 1995 North Coast Athletic Conference football standings vteConfOverall TeamW L TW L T Wittenberg $^ 7 –0 –010 –1 –0 Allegheny 7 –1 –09 –1 –0 Ohio Wesleyan 6 –2 –06 –4 –0 Wooster 5 –3 –05 –5 –0 Kenyon 3 –4 –13 –6 –1 Denison 2 –5 –12 –7 –1 Earlham 2 –6 –03 –7 –0 Case Western Reserve 1 –5 –02 –8 –0 Oberlin 0 –7 –00 –10 –0 $ – Conference champion^ – NCAA Division III playoff participant | 1995 Ohio Athletic Conference football standings vteConfOverall TeamW L TW L T Mount Union $^ 9 –0 –012 –1 –0 Marietta 7 –1 –18 –1 –1 John Carroll 5 –2 –26 –2 –2 Baldwin–Wallace 6 –3 –06 –4 –0 Muskingum 5 –3 –16 –3 –1 Ohio Northern 4 –5 –05 –5 –0 Hiram 3 –6 –04 –6 –0 Otterbein 3 –6 –03 –7 –0 Capital 1 –8 –01 –9 –0 Heidelberg 0 –9 –00 –10 –0 $ – Conference champion^ – NCAA Division III playoff participant | 1995 Old Dominion Athletic Conference football standings vteConfOverall TeamW L TW L T Emory & Henry $^ 5 –0 –09 –2 –0 Randolph–Macon 4 –1 –06 –3 –1 Washington and Lee 3 –2 –05 –3 –1 Hampden–Sydney 2 –3 –04 –6 –0 Guilford 1 –4 –03 –6 –0 Bridgewater 0 –5 –00 –9 –1 $ – Conference champion^ – NCAA Division III playoff participant |
| 1995 Presidents' Athletic Conference football standings vteConfOverall TeamW L TW L T Washington & Jefferson $^ 4 –0 –010 –1 –0 Bethany (WV) 3 –1 –06 –3 –0 Waynesburg 2 –2 –05 –4 –0 Grove City 1 –3 –02 –8 –0 Thiel 0 –4 –00 –10 –0 $ – Conference champion^ – NCAA Division III playoff participant | 1995 Southern California Intercollegiate Athletic Conference football standings vteConfOverall TeamW L TW L T La Verne $ 6 –0 –09 –0 –0 Pomona-Pitzer 4 –2 –06 –3 –0 Cal Lutheran 4 –2 –04 –4 –1 Redlands 3 –3 –04 –5 –0 Claremont-Mudd 2 –4 –03 –6 –0 Occidental 2 –4 –03 –6 –0 Whittier 0 –6 –01 –8 –0 $ – Conference champion | 1995 Southern Collegiate Athletic Conference football standings vteConfOverall TeamW L TW L T Trinity (TX) + 3 –1 –06 –3 –0 Centre + 3 –1 –05 –4 –1 Rhodes + 3 –1 –04 –5 –0 Sewanee 1 –3 –03 –6 –0 Millsaps 0 –4 –02 –7 –0 + – Conference co-champions |
| 1995 Wisconsin State University Conference football standings vteConfOverall TeamW L TW L T Wisconsin–La Crosse $^ 7 –0 –014 –0 –0 Wisconsin–River Falls ^ 6 –1 –09 –3 –0 Wisconsin–Stevens Point 5 –2 –08 –2 –0 Wisconsin–Whitewater 4 –3 –07 –3 –0 Wisconsin–Platteville 3 –4 –05 –5 –0 Wisconsin–Oshkosh 2 –5 –05 –5 –0 Wisconsin–Stout 1 –6 –03 –7 –0 Wisconsin–Eau Claire 0 –7 –01 –9 –0 $ – Conference champion^ – NCAA Division III playoff participant | 1995 NCAA Division III independents football records vteConfOverall TeamW L TW L T Chapman   –  8 –1 –0 Buffalo State ^   –  9 –2 –0 Salisbury State   –  7 –2 –0 Wesley   –  8 –3 –0 Catholic University   –  6 –2 –1 Cortland   –  6 –3 –1 Ferrum   –  6 –4 –0 Frostburg State   –  6 –4 –0 Maryville (TN)   –  5 –5 –0 Methodist   –  5 –5 –0 Ithaca   –  5 –4 –0 Brockport   –  4 –5 –1 Alfred   –  4 –5 –0 Hartwick   –  4 –5 –0 Aurora   –  3 –6 –0 Colorado College   –  3 –6 –0 Defiance   –  2 –7 –0 Menlo   –  0 –9 –0 ^ – NCAA Division III playoff participant |

## Conference champions

* Conference champions
* Association of Mideast Colleges‡ – Thomas More
* Centennial Conference – Franklin & Marshall
* College Conference of Illinois and Wisconsin – Wheaton (IL)
* Freedom Football Conference – Plymouth State
* Indiana Collegiate Athletic Conference – Hanover
* Iowa Intercollegiate Athletic Conference – Central (IA)
* Michigan Intercollegiate Athletic Association – Albion
* Middle Atlantic Conference – Widener
* Midwest Conference – Cornell (IA)
* Minnesota Intercollegiate Athletic Conference – Concordia–Moorhead and Saint John's (MN)
* New England Football Conference – Worcester State
* New Jersey Athletic Conference – Rowan
* North Coast Athletic Conference – Wittenberg
* Ohio Athletic Conference – Mount Union
* Old Dominion Athletic Conference – Emory & Henry
* Presidents' Athletic Conference – Washington & Jefferson
* Southern California Intercollegiate Athletic Conference – La Verne
* Southern Collegiate Athletic Conference – Centre, Rhodes, and Trinity (TX)
* Texas Intercollegiate Athletic Association – Hardin–Simmons and Howard Payne
* University Athletic Association – Carnegie Mellon and Washington–Saint Louis
* Upper Midwest Athletic Conference – Northwestern–St. Paul
* Upstate Collegiate Athletic Conference – Union (NY)
* Wisconsin Intercollegiate Athletic Conference – Wisconsin–La Crosse

## Postseason

The 1995 NCAA Division III Football Championship playoffs were the 23rd annual single-elimination tournament to determine the national champion of men's NCAA Division III college football. The championship Stagg Bowl game was held at Salem Football Stadium in Salem, Virginia for the second time. Salem remained the yearly host of the Stagg Bowl until 2017, with the game moving to Shenandoah, Texas in 2018 and 2019. Like the previous ten tournaments, this year's bracket featured sixteen teams.

### Playoff bracket

| Regionals Campus Sites | Regionals Campus Sites | Regionals Campus Sites | Quarterfinals Campus Sites | Quarterfinals Campus Sites | Quarterfinals Campus Sites | Semifinals Campus Sites | Semifinals Campus Sites | Semifinals Campus Sites | | National Championship Game Salem Football Stadium Salem, Virginia | National Championship Game Salem Football Stadium Salem, Virginia | National Championship Game Salem Football Stadium Salem, Virginia |
| Mount Union | Mount Union | 52 | | | | | | | | | | |
| Hanover | Hanover | 18 | | | | | | | | | | |
| Hanover | Hanover | 18 | Mount Union | Mount Union | 40 | | | | | | | |
| | | | Wheaton (IL) | Wheaton (IL) | 14 | | | | | | | |
| Wheaton (IL) | Wheaton (IL) | 63 | Wheaton (IL) | Wheaton (IL) | 14 | | | | | | | |
| Wittenberg | Wittenberg | 41 | | | | | | | | | | |
| Wittenberg | Wittenberg | 41 | | | | Mount Union | Mount Union | 17 | | | | |
| | | | | | | Wisconsin–La Crosse | Wisconsin–La Crosse | 20 | | | | |
| Wisconsin–La Crosse | Wisconsin–La Crosse | 45 | | | | | | | Wisconsin–La Crosse | Wisconsin–La Crosse | 20 | | | | |
| Concordia–Moorhead | Concordia–Moorhead | 7 | | | | | | | | | | |
| Concordia–Moorhead | Concordia–Moorhead | 7 | Wisconsin–La Crosse | Wisconsin–La Crosse | 28 | | | | | | | |
| | | | Wisconsin–River Falls | Wisconsin–River Falls | 14 | | | | | | | |
| Wisconsin–River Falls | Wisconsin–River Falls | 10 | Wisconsin–River Falls | Wisconsin–River Falls | 14 | | | | | | | |
| Central (IA) | Central (IA) | 7 | | | | | | | | | | |
| Central (IA) | Central (IA) | 7 | | | | | | | | Wisconsin–La Crosse | Wisconsin–La Crosse | 36 |
| | | | | | | | | | | Rowan | Rowan | 7 |
| Washington & Jefferson | Washington & Jefferson | 35 | | | | | | | | | | | Rowan | Rowan | 7 |
| Emory & Henry | Emory & Henry | 16 | | | | | | | | | | |
| Emory & Henry | Emory & Henry | 16 | Washington & Jefferson | Washington & Jefferson | 48 | | | | | | | |
| | | | Lycoming | Lycoming | 0 | | | | | | | |
| Lycoming | Lycoming | 31 | Lycoming | Lycoming | 0 | | | | | | | |
| Widener | Widener | 27 | | | | | | | | | | |
| Widener | Widener | 27 | | | | Washington & Jefferson | Washington & Jefferson | 15 | | | | |
| | | | | | | Rowan | Rowan | 28 | | | | |
| Rowan | Rowan | 46 | | | | | | | Rowan | Rowan | 28 | | | | |
| Buffalo State | Buffalo State | 7 | | | | | | | | | | |
| Buffalo State | Buffalo State | 7 | Rowan | Rowan | 38 | | | | | | | |
| | | | Union (NY) | Union (NY) | 7 | | | | | | | |
| Union (NY) | Union (NY) | 24 | Union (NY) | Union (NY) | 7 | | | | | | | |
| Plymouth State | Plymouth State | 7 | | | | | | | | | | |