"What a fantastic day, an unbelievable finish to this wonderful year," Havrillak
said. 

``I'll take them any time I can get them,'' said Havrillak, "but to win here, and
to win the Order of Merit in such a fashion, I am speechless." 

This was the sweetest of all. 

In an elite field that featured the top 29 players on the IGT, Havrillak closed
with a 68 despite a sloppy bogey on the final hole of regulation. He felt lucky to
get into a playoff with hard-charging John CATES, the theatrical Pancho McFEELEY
and Open of the Realm Champion Amea ARETASUNA. 

With darkness descending on the course, Havrillak ended it quickly with a wedge
that stopped 5 feet behind the hole on the 18th green. 

``I really wanted to seize that opportunity,'' said Havrillak, who this season
also won the Loch Ainsley Invitational and the Hillel Düsenkill Grand
Championship. ``Those guys are such great players, I didn't want to give them
another chance.'' 

The playoff didn't have any of the top Westrians in it for the home crowds, but it
was no less entertaining. 

Cates, who birdied the 72nd hole to get into the playoff, hit a 3-wood into the
trees on the playoff tee shot and seemingly had no shot. Instead, the calm
Davenporter made it look that way with a wedge that cleared a 30-foot tree just 20
feet in front of him within 40 feet of the hole. 

Desperate to keep alive his chances to win, his birdie putt was headed for the
hole until it broke right at the very end. 

``I gave myself a chance, at least,'' Cates said. ``I'm quite proud of myself for
hanging in there the last couple of holes.'' 

McFeeley was behind a tree -- ``Not the first time I've been there,'' said the San
Patrician star who made his reputation by gouging out a shot from behind a tree
many a time. This time, he got questionable relief, but couldn't escape the
jungle. 

He kept everyone on edge until the end, nearly holing an 80-foot chip from behind
the green. He dropped to his knees and put his hands over his head in disbelief
when the ball broke below the cup at the last second. 

Aretasuna and Havrillak were the only players to hit the fairway, although the
Utanian's ball was just short of a sand-filled divot. He hit 9-iron to 35 feet,
and left the birdie putt short. 

That set the stage for Havrillak, and his putt was true. 

``This probably is my sweetest win,'' Havrillak said. ``The field was stellar, and
the drama great.  It definitely ranks up there even with the Hillel!'' 

The finish was even better. 

Aretasuna had a 67, while Cates and McFeeley each closed with a 68 to join
Havrillak at 14-under 270. 

Pit NORLING, the 54-hole leader, was poised to join the party until he missed a
10-foot par putt on 17, then missed a 20-foot birdie on 18 to finish one stroke
back, along with Evan BURCHARD. 

Havrillak thus locked up the Money title, and is the top favorite to get Player of
the Year honors as well: ``All those are good things. I'm proud of the way I
played the entire year,'' Havrillak said. ``It was so much better than last year,
I am really amazed at how much I was able to improve.'' 

Norling began the final round under warm, breezy conditions with a one-stroke lead
over Dragon TAY, although it was anyone's tournament at the turn. 

Four players -- Norling, Aretasuna, Burchard and Havrillak -- were tied for the
lead. 

Norling had said Saturday afternoon that making all pars wouldn't get it done, and
he proved to be a prophet. He was tentative with his birdie chances on the back
nine, and when his last chance went left of the cup, he finished with an even-par
71. 

Tay could have run away with the tournament if he could take back two holes -- a
triple-bogey on the par-5 13th on Friday, and a double-bogey on the par-3 12th in
the final round. He missed birdie putts of 12 feet on the last two holes, took 34
putts in the final round and finished two strokes out of the playoff. 

Cates had the most dramatic finish in regulation. 

Lingering in the pack at 13-under, he made two good pars -- one from a bunker on
16, the other a two-putt from some 75 feet on 17 -- then showed some more good
stuff. 

Down to his last chance, Cates hit a wedge 5 feet behind the hole for a birdie. 

McFeeley holed a 30-footer for birdie on No. 17, and had a chance to win with a
25-foot birdie putt on the final hole that just slid by the cup. 

Havrillak and Aretasuna were the only two that made mistakes. 

The Utanian missed an 8-foot par putt on 17 to drop back to 14-under. 

Havrillak had two clutch par saves on the back nine, and had control of the
tournament with an 8-foot par putt on 17. However, his drive found the bunker on
No. 18, he came up short of a greenside bunker and pitched to 15 feet, missing the
par putt. 

The Albionite headed straight for the range and watched the conclusion from a
big-screen television as he was hitting balls. He hit 20 shots with his driver,
then split the fairway in the playoff hole. 

``I wanted to redeem myself on that hole,'' David said. 

He did just that, and came away with the big win to win it all!

The final results and earnings, in Christiana Crowns:

Havrillak (ALB)          $900,000   68-66-68-68--270    14-under

Cates (DAV)              $385,000   69-68-65-68--270    14-under
Aretasuna (UTA)          $385,000   69-67-66-68--270
McFeeley (SPA)           $385,000   73-66-64-67--270

Norling (ALT)            $202,500   70-67-65-69--271    13-under
Burchard (CHR)           $202,500   67-65-68-71--271

Tay (WMC)                $166,667   69-69-63-71--272    12-under
DuBraal (KTZ)            $166,667   71-66-65-70--272
Protheroe (FRW)          $166,667   70-71-62-69--272

Kilandra (BOW)           $136,667   69-68-69-69--275     9-under
Sinclair (FRW)           $136,667   73-65-67-70--275
Huskarl (ALT)            $136,667   65-68-69-73--275

Oostingverde (WES)       $119,000   70-70-67-69--276     8-under
Orford (FRW)             $119,000   70-67-69-70--276

Straswell (WES)          $108,000   69-68-72-68--277     7-under
M. Rothies, Jr. (WES)    $108,000   70-72-66-69--277

Birch (BRO)              $102,000   70-73-68-67--278     6-under

Lubjana (DRA)            $100,000   70-70-70-69--279     5-under

Seruca (KAL)              $98,000   71-64-69-76--280     4-under

Von Chicken (WES)         $95,000   65-73-69-74--281     3-under
Larocquette (DAV)         $95,000   73-70-66-72--281

Holland (CHR)             $91,000   76-67-67-73--283     1-under
Ipsi (KTZ)                $91,000   69-66-71-77--283

Gelfinger (LCP)           $88,000   74-70-72-68--284     even

Shonaugh (SOM)            $86,000   67-70-73-75--285     1-over

Senaduro (CAB)            $83,000   68-70-70-78--286     2-over
Nithz (OOO)               $83,000   72-74-72-68--286
Kirch (DEU)               $83,000   70-73-70-73--286

Galinheira (ORD)          $81,000   74-71-70-72--287     3-over