text: The home games during the season were played at Clemson University, as the Panthers stadium in Charlotte was still under construction.  This made the Panthers the only sports team in one of the Big Four leagues ever based out of South Carolina, even if only for one year. The Panthers originally wanted to play their first season in Williams-Brice Stadium in Columbia, South Carolina, which was closer and more accessible to Charlotte, but the University of South Carolina turned them down.
  Despite being drafted first, Kerry Collins was not the team's first starting quarterback, that distinction instead going to Frank Reich. The Panthers first regular season game was against the Atlanta Falcons in the Georgia Dome. The Panthers scored on their first three possessions to take a 13–3 lead before the Falcons rallied to win 23–20 in overtime. The Panthers first home game (in Clemson) was a 31–10 loss to the St. Louis Rams. Reich only played in the first three games but was the first Panthers quarterback to throw a touchdown pass. Collins assumed starting quarterback duties in week 4. Following an 0–5 start to the season, the Panthers won their first game against the New York Jets 26–15 on October 15, 1995, after linebacker Sam Mills returned an interception 36 yards for a touchdown. Later that year, the Panthers stunned the league by not only winning four consecutive games (an expansion team record), but defeating the defending Super Bowl XXIX champion San Francisco 49ers 13–7, the first time an expansion team had beaten the reigning champs. The Panthers finished their season 7–9, more than doubling the previous record of a first year expansion team.