A few things:
When the announce the time added on its a minimum - not when then game should finish, but the minimum time the game should finish, in this case it was 94 minutes
Then the ref had to add time on for bellamys goal celebration, and as they said on MOTD2 it was 56 seconds from the time the ball crossed the utd goal line and to when kick off was taken.
Then SAF brought on carrick - adding another 30 seconds this equals 1 minute and 26 seconds. 94 + 1.26 = 95.26
Owens goal was at 95.27
yes 1 second over but at 95.26 i can imagine the ball was roughly at owens feet in the penalty area just before he scored, and that isnt somewhere, where you would finish a game is it.