The game was played on December 19, 1998, at Finley Stadium, home field of the University of Tennessee at Chattanooga.
The culminating game of the 1998 NCAA Division I-AA football season, it was won by UMass, 55–43.
[3] The participants of the Championship Game were the finalists of the 1998 I-AA Playoffs, which began with a 16-team bracket.
[4] UMass finished their regular season with an 8–3 record (6–2 in conference); two of their losses had been to rival Connecticut,[5] with one considered a non-conference game.
[6] The Eagles, seeded first, defeated 16-seed Colgate, eighth-seed Connecticut, and fourth-seed Western Illinois to reach the final.