DIV. I-AA EXPERTS' CONSENSU : SPEARS' PICKS.

Daily News Staff Writer Marc J. Spears is an ESPN/USA Today Division I-AA Top 25 Poll voter this season. Here's how he voted this week:

1. Villanova

2. McNeese State

3. Southern

4. Western Illinois

5. Western Kentucky

6. Delaware

7. Montana

8. Youngstown State

9. Eastern Illinois

10. Northern Arizona

11. Stephen F. Austin

12. East Tennessee St.

13. William & Mary

14. Eastern Washington

15. Furman

16. Georgia Southern

17. Jackson State

18. Troy State

19. South Carolina State

20. Florida A&M

21. Hampton

22. Appalachian State

23. Northern Iowa

24. Montana State

25. Richmond