| Year Game Played: | 2004 |
| Game Name: | NCAA Division I-AA Football Championship |
| Subheader: | I-AA National Championship Game |
| Visitor Name Short: | James Madison |
| Visitor Nickname: | Dukes |
| Home Nickname: | Grizzlies |
| Visitor School: | James Madison University |
| Home Name Short: | Montana |
| Football Season: | 2004 |
| Home School: | University of Montana |
| Visitor Record: | 12–2 |
| Home Record: | 12–2 |
| Visitor Conference: | Atlantic 10 |
| Home Conference: | Big Sky |
| Visitor 1Q: | 0 |
| Home 1Q: | 7 |
| Visitor 2Q: | 10 |
| Visitor 3Q: | 14 |
| Visitor 4Q: | 7 |
| Home 2Q: | 0 |
| Home 3Q: | 14 |
| Home 4Q: | 0 |
| Visitor Coach: | Mickey Matthews |
| Home Coach: | Bobby Hauck |
| Visitor Rank Tsn: | 8 |
| Visitor Seed: | — |
| Home Rank Tsn: | 7 |
| Home Seed: | — |
| Date Game Played: | December 17 |
| Stadium: | Finley Stadium |
| City: | Chattanooga, Tennessee |
| Referee: | G. Hartleb |
| Attendance: | 16,771 |
| Us Network: | ESPN2 |
| Different Previous: | 2003 |
| Different Next: | 2005 |
The 2004 NCAA Division I-AA Football Championship Game was a postseason college football game between the James Madison Dukes and the Montana Grizzlies. The game was played on December 17, 2004, at Finley Stadium, home field of the University of Tennessee at Chattanooga. The culminating game of the 2004 NCAA Division I-AA football season, it was won by James Madison, 31–21.
The participants of the Championship Game were the finalists of the 2004 I-AA Playoffs, which began with a 16-team bracket.
See main article: 2004 James Madison Dukes football team. James Madison finished their regular season with a 9–2 record (7–1 in conference). One of their losses was to West Virginia of Division I-A. The Dukes, unseeded in the tournament, defeated Lehigh, second-seed Furman, and third-seed William & Mary to reach the final. This was the first appearance for James Madison in a Division I-AA championship game.
See main article: 2004 Montana Grizzlies football team. Montana finished their regular season with a 9–2 record (6–1 in conference). The Grizzlies, also unseeded in the tournament, defeated Northwestern State, New Hampshire, and Sam Houston State to reach the final. This was the fifth appearance for Montana in a Division I-AA championship game; they had won in 1995 and 2001, and lost in 1996 and 2000.