I'd check the following things:
The clutch might be slipping though you'd probably notice it on acceleration. (previously mentioned above by another poster)
Your odometer might be very inaccurate, especially if you've got much bigger diameter tires (less rotation means less distance...
I'm glad I found this forum. I hope this thread is in the right place. I'm not sure if 95 is first or second generation.
I've been hypermiling (coasting, pulsing and gliding, light-timing, high air pressure, etc.) and getting about 50% better mileage than the EPA rating but with a scan gauge...