1999 NCAA Division I-AA Football Championship Game

[4] Youngstown State finished their regular season with a 9–2 record (5–1 in conference); one of their losses had been to Western Michigan of Division I-A.

[5] Seeded ninth in the playoffs, the Penguins defeated eight-seed Montana, 16-seed North Carolina A&T, and 13-seed Florida A&M to reach the final.

This was the sixth appearance for Youngstown State in a Division I-AA championship game, having won four titles (1991, 1993, 1994, and 1997) against one loss (1992).

Georgia Southern finished their regular season with a 9–2 record (7–1 in conference); one of their losses had been to Oregon State of Division I-A.

The Eagles, seeded second, defeated 15-seed Northern Arizona, 10-seed UMass, and sixth-seed Illinois State to reach the final.