Georgia Southern finished their regular season with a 9–2 record; one of their losses was to Florida State of Division I-A.[6] Ranked second in the final NCAA I-AA in-house poll[7] and seeded second in the tournament, the Eagles defeated The Citadel, Stephen F. Austin, and Eastern Kentucky to reach the final. This was the third appearance for Georgia Southern in a Division I-AA championship game, having won in 1985 and 1986.
Furman also finished their regular season with a 9–2 record (6–1 in conference); one of their losses was to Clemson of Division I-A.[8] Ranked fourth in the final NCAA I-AA in-house poll[7] and seeded fourth in the tournament, the Paladins defeated Delaware, Marshall, and top-seed Idaho to reach the final. This was the second appearance for Furman in a Division I-AA championship game, having lost to Georgia Southern in 1985.
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