YEAR   CHAMPION              RUNNER-UP           SCORE    SITE----   --------              ---------           -----    ----2007   Appalachian St        Delaware            49-21    Chattanooga, TN2006   Appalachian St        Massachusetts       28-17    Chattanooga, TN2005   Appalachian St        Northern Iowa       21-16    Chattanooga, TN2004   James Madison         Montana             31-21    Chattanooga, TN2003   Delaware              Colgate             40-0     Chattanooga, TN2002   Western Kentucky      McNeese State       34-14    Chattanooga, TN2001   Montana               Furman              13-6     Chattanooga, TN2000   Georgia Southern      Montana             27-25    Chattanooga, TN1999   Georgia Southern      Youngstown State    59-24    Chattanooga, TN1998   Massachusetts         Georgia Southern    55-43    Chattanooga, TN1997   Youngstown State      McNeese State       10-9     Chattanooga, TN1996   Marshall              Montana             49-29    Huntingdon, WV1995   Montana               Marshall            22-20    Huntingdon, WV1994   Youngstown State      Boise State         28-14    Huntington, WV1993   Youngstown State      Marshall            17-5     Huntington, WV1992   Marshall              Youngstown State    31-28    Huntington, WV1991   Youngstown State      Marshall            25-17    Statesboro, GA1990   Georgia Southern      Nevada              36-13    Statesboro, GA1989   Georgia Southern      Stephen F. Austin   37-34    Statesboro, GA1988   Furman                Georgia Southern    17-12    Pocatello, ID1987   Northeast Louisiana   Marshall            43-42    Pocatello, ID1986   Georgia Southern      Arkansas State      48-21    Tacoma, WA1985   Georgia Southern      Furman              44-42    Tacoma, WA1984   Montana State         Louisiana Tech      19-6     Charleston, SC1983   Southern Illinois     Western Carolina    43-7     Charleston, SC1982   Eastern Kentucky      Delaware            17-14    Wichita Falls, TX1981   Idaho State           Eastern Kentucky    34-23    Wichita Falls, TX1980   Boise State           Eastern Kentucky    31-29    Sacramento, CA1979   Eastern Kentucky      Lehigh              30-7     Orlando, FL1978   Florida A&M           Massachusetts       35-28    Wichita Falls, TX