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).

1995 NCAA Division III football season
Regular season	August – November 1995
Playoffs	November – December 1995
National championship	Salem Football Stadium Salem, VA
Champion	Wisconsin–La Crosse (2)
Gagliardi Trophy	Chris Palmer (WR), St. John's
NCAA Division III football seasons

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 Conf Overall Team W   L   T W   L   T Thomas More $ 3 – 0 – 0 10 – 0 – 0 Mount St. Joseph 1 – 2 – 0 5 – 4 – 0 Bluffton 1 – 2 – 0 5 – 5 – 0 Wilmington (OH) 1 – 2 – 0 2 – 6 – 1 $ – Conference champion	1995 Centennial Conference football standings Conf Overall Team W   L   T W   L   T Franklin & Marshall $ 6 – 1 – 0 7 – 3 – 0 Dickinson 5 – 1 – 1 7 – 2 – 1 Johns Hopkins 4 – 2 – 1 6 – 3 – 1 Western Maryland 3 – 2 – 2 5 – 3 – 2 Gettysburg 3 – 3 – 1 5 – 4 – 1 Swarthmore 3 – 4 – 0 5 – 5 – 0 Ursinus 1 – 6 – 0 3 – 7 – 0 Muhlenberg 0 – 6 – 1 0 – 9 – 1 $ – Conference champion	1995 College Conference of Illinois and Wisconsin football standings Conf Overall Team W   L   T W   L   T Wheaton (IL) $^ 7 – 0 – 0 10 – 1 – 0 Illinois Wesleyan 6 – 1 – 0 6 – 3 – 0 Augustana (IL) 5 – 2 – 0 6 – 3 – 0 Millikin 3 – 4 – 0 5 – 4 – 0 Carthage 2 – 4 – 1 3 – 5 – 1 Elmhurst 2 – 5 – 0 2 – 7 – 0 North Central (IL) 1 – 5 – 1 3 – 5 – 1 North Park 1 – 6 – 0 2 – 7 – 0 $ – Conference champion ^ – NCAA Division III playoff participant
1995 Eastern Collegiate Football Conference standings Conf Overall Team W   L   T W   L   T Stonehill $ 8 – 0 – 0 9 – 1 – 0 Bentley 7 – 1 – 0 9 – 1 – 0 Salve Regina 6 – 2 – 0 7 – 2 – 0 Assumption 5 – 3 – 0 6 – 4 – 0 MIT 3 – 4 – 0 3 – 5 – 0 Sacred Heart 2 – 4 – 0 3 – 7 – 0 Western New England 2 – 6 – 0 2 – 6 – 0 Curry 1 – 7 – 0 2 – 8 – 0 Nichols 0 – 7 – 0 0 – 9 – 0 $ – Conference champion	1995 Freedom Football Conference standings Conf Overall Team W   L   T W   L   T Plymouth State $^ 7 – 0 – 0 9 – 1 – 0 Western Connecticut 4 – 2 – 0 7 – 2 – 1 Springfield (MA) 3 – 2 – 0 8 – 2 – 0 Stony Brook 3 – 2 – 0 7 – 3 – 0 WPI 3 – 3 – 0 4 – 5 – 0 Merchant Marine 2 – 3 – 0 5 – 4 – 0 Coast Guard 2 – 4 – 0 4 – 6 – 0 Norwich 2 – 5 – 0 3 – 6 – 0 UMass Lowell 0 – 5 – 0 0 – 10 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 Illini–Badger Football Conference standings Conf Overall Team W   L   T W   L   T Eureka $ 6 – 0 – 0 9 – 1 – 0 Concordia (WI) 4 – 2 – 0 7 – 2 – 0 Lakeland 4 – 2 – 0 6 – 3 – 1 Quincy 4 – 2 – 0 4 – 6 – 0 Greenville 2 – 4 – 0 2 – 7 – 0 MacMurray 1 – 5 – 0 3 – 7 – 0 Concordia (IL) 0 – 6 – 0 1 – 8 – 0 $ – Conference champion ^ – NAIA Division II playoff participant
1995 Indiana Collegiate Athletic Conference football standings Conf Overall Team W   L   T W   L   T Hanover $^ 6 – 0 – 0 10 – 1 – 0 Rose–Hulman 4 – 2 – 0 6 – 4 – 0 Franklin (IN) 3 – 3 – 0 6 – 4 – 0 Manchester 3 – 3 – 0 4 – 6 – 0 Anderson (IN) 2 – 4 – 0 6 – 4 – 0 Wabash 2 – 4 – 0 5 – 5 – 0 DePauw 1 – 5 – 0 3 – 7 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 Iowa Conference football standings Conf Overall Team W   L   T W   L   T Central (IA) $^ 8 – 0 – 0 10 – 1 – 0 Wartburg 7 – 1 – 0 9 – 1 – 0 Simpson (IA) 6 – 2 – 0 7 – 3 – 0 Loras 5 – 3 – 0 7 – 3 – 0 Upper Iowa 4 – 4 – 0 3 – 6 – 0 Buena Vista 2 – 6 – 0 2 – 7 – 0 Dubuque 2 – 6 – 0 2 – 8 – 0 Luther 2 – 6 – 0 2 – 8 – 0 William Penn 0 – 8 – 0 0 – 10 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 Michigan Intercollegiate Athletic Association football standings Conf Overall Team W   L   T W   L   T Albion $ 5 – 0 – 0 8 – 1 – 0 Adrian 3 – 2 – 0 6 – 3 – 0 Alma 3 – 2 – 0 6 – 3 – 0 Kalamazoo 3 – 2 – 0 4 – 5 – 0 Hope 1 – 4 – 0 2 – 7 – 0 Olivet 0 – 5 – 0 3 – 6 – 0 $ – Conference champion
1995 Middle Atlantic Conference football standings Conf Overall Team W   L   T W   L   T Commonwealth Widener x^ 5 – 0 – 0 8 – 3 – 0 Albright 4 – 1 – 0 8 – 3 – 0 Moravian 2 – 2 – 1 7 – 2 – 1 Juniata 1 – 3 – 1 2 – 7 – 1 Susquehanna 1 – 4 – 0 5 – 5 – 0 Lebanon Valley 1 – 4 – 0 3 – 7 – 0 Freedom Wilkes x 3 – 1 – 0 9 – 2 – 0 Lycoming x^ 3 – 1 – 0 8 – 3 – 0 Fairleigh Dickinson–Florham 2 – 2 – 0 4 – 5 – 0 Delaware Valley 1 – 3 – 0 3 – 7 – 0 King's (PA) 1 – 3 – 0 1 – 9 – 0 x – Division champion/co-champions ^ – NCAA Division III playoff participant	1995 Midwest Conference football standings Conf Overall Team W   L   T W   L   T North Division Ripon xy 4 – 1 – 0 8 – 2 – 0 Beloit 4 – 1 – 0 8 – 1 – 0 Carroll (WI) 4 – 1 – 0 6 – 3 – 0 Lawrence 2 – 3 – 0 4 – 5 – 0 St. Norbert 1 – 4 – 0 1 – 8 – 0 Lake Forest 0 – 5 – 0 0 – 9 – 0 South Division Cornell (IA) xy$ 5 – 0 – 0 9 – 1 – 0 Coe 4 – 1 – 0 7 – 3 – 0 Knox 3 – 2 – 0 6 – 3 – 0 Grinnell 2 – 3 – 0 4 – 5 – 0 Illinois College 1 – 4 – 0 2 – 7 – 0 Monmouth (IL) 0 – 5 – 0 0 – 9 – 0 Championship: Cornell (IA) 38, Ripon 17 $ – Conference champion x – Division champion/co-champions y – Championship game participant	1995 Minnesota Intercollegiate Athletic Conference football standings Conf Overall Team W   L   T W   L   T Saint John's (MN) + 7 – 1 – 1 8 – 1 – 1 Concordia–Moorhead +^ 7 – 1 – 1 8 – 2 – 1 Hamline 6 – 3 – 0 7 – 3 – 0 St. Thomas (MN) 6 – 3 – 0 6 – 4 – 0 Augsburg 5 – 4 – 0 6 – 4 – 0 Bethel (MN) 5 – 4 – 0 6 – 4 – 0 St. Olaf 4 – 5 – 0 5 – 5 – 0 Carleton 3 – 6 – 0 3 – 7 – 0 Gustavus Adolphus 1 – 8 – 0 1 – 9 – 0 Macalester 0 – 9 – 0 1 – 9 – 0 + – Conference co-champions ^ – NCAA Division III playoff participant
1995 New England Football Conference standings Conf Overall Team W   L   T W   L   T Worcester State $ 8 – 0 – 0 9 – 2 – 0 Maine Maritime 6 – 2 – 0 7 – 2 – 0 Massachusetts Maritime 6 – 2 – 0 7 – 2 – 0 Bridgewater State 6 – 2 – 0 6 – 4 – 0 UMass Dartmouth 3 – 5 – 0 4 – 6 – 0 Westfield State 3 – 5 – 0 3 – 6 – 0 Framingham State 2 – 6 – 0 2 – 7 – 0 UMass–Boston 1 – 7 – 0 2 – 7 – 0 Fitchburg State 1 – 7 – 0 1 – 8 – 0 $ – Conference champion	1995 New England Small College Athletic Conference football standings Conf Overall Team W   L   T W   L   T Williams 7 – 0 – 1 7 – 0 – 1 Trinity (CT) 6 – 2 – 0 6 – 2 – 0 Amherst 5 – 2 – 1 5 – 2 – 1 Colby 5 – 3 – 0 5 – 3 – 0 Hamilton 5 – 3 – 0 5 – 3 – 0 Tufts 4 – 4 – 0 4 – 4 – 0 Wesleyan 3 – 5 – 0 3 – 5 – 0 Middlebury 2 – 6 – 0 2 – 6 – 0 Bates 1 – 7 – 0 1 – 7 – 0 Bowdoin 1 – 7 – 0 1 – 7 – 0 No conference champion recognized	1995 New Jersey Athletic Conference football standings Conf Overall Team W   L   T W   L   T Rowan $^ 5 – 0 – 0 10 – 3 – 1 Trenton State 4 – 1 – 0 8 – 3 – 0 Kean 3 – 2 – 0 3 – 4 – 2 Montclair State 2 – 3 – 0 3 – 6 – 0 Jersey City State 1 – 4 – 0 1 – 9 – 0 William Paterson 0 – 5 – 0 0 – 10 – 0 $ – Conference champion ^ – NCAA Division III playoff participant
1995 North Coast Athletic Conference football standings Conf Overall Team W   L   T W   L   T Wittenberg $^ 7 – 0 – 0 10 – 1 – 0 Allegheny 7 – 1 – 0 9 – 1 – 0 Ohio Wesleyan 6 – 2 – 0 6 – 4 – 0 Wooster 5 – 3 – 0 5 – 5 – 0 Kenyon 3 – 4 – 1 3 – 6 – 1 Denison 2 – 5 – 1 2 – 7 – 1 Earlham 2 – 6 – 0 3 – 7 – 0 Case Western Reserve 1 – 5 – 0 2 – 8 – 0 Oberlin 0 – 7 – 0 0 – 10 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 Ohio Athletic Conference football standings Conf Overall Team W   L   T W   L   T Mount Union $^ 9 – 0 – 0 12 – 1 – 0 Marietta 7 – 1 – 1 8 – 1 – 1 John Carroll 5 – 2 – 2 6 – 2 – 2 Baldwin–Wallace 6 – 3 – 0 6 – 4 – 0 Muskingum 5 – 3 – 1 6 – 3 – 1 Ohio Northern 4 – 5 – 0 5 – 5 – 0 Hiram 3 – 6 – 0 4 – 6 – 0 Otterbein 3 – 6 – 0 3 – 7 – 0 Capital 1 – 8 – 0 1 – 9 – 0 Heidelberg 0 – 9 – 0 0 – 10 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 Old Dominion Athletic Conference football standings Conf Overall Team W   L   T W   L   T Emory & Henry $^ 5 – 0 – 0 9 – 2 – 0 Randolph–Macon 4 – 1 – 0 6 – 3 – 1 Washington and Lee 3 – 2 – 0 5 – 3 – 1 Hampden–Sydney 2 – 3 – 0 4 – 6 – 0 Guilford 1 – 4 – 0 3 – 6 – 0 Bridgewater 0 – 5 – 0 0 – 9 – 1 $ – Conference champion ^ – NCAA Division III playoff participant
1995 Presidents' Athletic Conference football standings Conf Overall Team W   L   T W   L   T Washington & Jefferson $^ 4 – 0 – 0 10 – 1 – 0 Bethany (WV) 3 – 1 – 0 6 – 3 – 0 Waynesburg 2 – 2 – 0 5 – 4 – 0 Grove City 1 – 3 – 0 2 – 8 – 0 Thiel 0 – 4 – 0 0 – 10 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 Southern California Intercollegiate Athletic Conference football standings Conf Overall Team W   L   T W   L   T La Verne $ 6 – 0 – 0 9 – 0 – 0 Pomona-Pitzer 4 – 2 – 0 6 – 3 – 0 Cal Lutheran 4 – 2 – 0 4 – 4 – 1 Redlands 3 – 3 – 0 4 – 5 – 0 Claremont-Mudd 2 – 4 – 0 3 – 6 – 0 Occidental 2 – 4 – 0 3 – 6 – 0 Whittier 0 – 6 – 0 1 – 8 – 0 $ – Conference champion	1995 Southern Collegiate Athletic Conference football standings Conf Overall Team W   L   T W   L   T Trinity (TX) + 3 – 1 – 0 6 – 3 – 0 Centre + 3 – 1 – 0 5 – 4 – 1 Rhodes + 3 – 1 – 0 4 – 5 – 0 Sewanee 1 – 3 – 0 3 – 6 – 0 Millsaps 0 – 4 – 0 2 – 7 – 0 + – Conference co-champions
1995 Wisconsin State University Conference football standings Conf Overall Team W   L   T W   L   T Wisconsin–La Crosse $^ 7 – 0 – 0 14 – 0 – 0 Wisconsin–River Falls ^ 6 – 1 – 0 9 – 3 – 0 Wisconsin–Stevens Point 5 – 2 – 0 8 – 2 – 0 Wisconsin–Whitewater 4 – 3 – 0 7 – 3 – 0 Wisconsin–Platteville 3 – 4 – 0 5 – 5 – 0 Wisconsin–Oshkosh 2 – 5 – 0 5 – 5 – 0 Wisconsin–Stout 1 – 6 – 0 3 – 7 – 0 Wisconsin–Eau Claire 0 – 7 – 0 1 – 9 – 0 $ – Conference champion ^ – NCAA Division III playoff participant	1995 NCAA Division III independents football records Conf Overall Team W   L   T W   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					Quarterfinals Campus Sites					Semifinals Campus Sites					National Championship Game Salem Football Stadium Salem, Virginia
	Mount Union		52
	Hanover		18
						Mount Union		40
						Wheaton (IL)		14
	Wheaton (IL)		63
	Wittenberg		41
											Mount Union		17
											Wisconsin–La Crosse		20
	Wisconsin–La Crosse		45
	Concordia–Moorhead		7
						Wisconsin–La Crosse		28
						Wisconsin–River Falls		14
	Wisconsin–River Falls		10
	Central (IA)		7
																Wisconsin–La Crosse		36
																Rowan		7
	Washington & Jefferson		35
	Emory & Henry		16
						Washington & Jefferson		48
						Lycoming		0
	Lycoming		31
	Widener		27
											Washington & Jefferson		15
											Rowan		28
	Rowan		46
	Buffalo State		7
						Rowan		38
						Union (NY)		7
	Union (NY)		24
	Plymouth State		7

See also

• 1995 NCAA Division I-A football season
• 1995 NCAA Division I-AA football season
• 1995 NCAA Division II football season