sentences:  Richmond Kickers finished the season as national champions, beating Cocoa Expos 3-1 in the USISL Premier League Championship game.San Francisco All-Blacks United finished with the best regular season record in the league, winning 17 out of their 18 games, suffering just one loss, and finishing with a +42 goal difference.The USISL Premier League format in 1995 was notable for not having tied games; instead, teams competed in a penalty shoot-out to decide a winner, with bonus points awarded as appropriate.