DeAngelo Williams rushed for 121 yards and two second-half touchdowns, helping the Panthers beat the NFC South champion Buccaneers 31-23 with the retiring 44-year-old Testaverde taking the last snap in the same city where he began his NFL career in 1987.

Matt Moore threw for 174 yards and two TDs for Carolina (7-9) in his third pro start, preventing Tampa Bay (9-7) from joining the 1999 St. Louis Rams as the only teams since 1970 to go unbeaten in division play the year after going winless.

Instead, the Bucs will enter the playoffs on a two-game losing streak after treating the past two weeks much like the preseason.

Williams scored on runs of 1 and 32 yards, and Moore threw TD passes of 2 yards to Christian Fauria and 20 yards to Dante Rosario for Carolina, which finished a disappointing season that's raised speculation about the future of coach John Fox.

Testaverde, the first pick in the 1987 draft by the Bucs, entered the game after the Panthers stopped Tampa Bay's final drive on downs with 35 seconds remaining. He received polite applause from what was left of a crowd of 65, 609, then took a knee on the last play.

The veteran of 21 seasons hugged his wife as he left the field, saying: "That's it. It's all over."

With coach Jon Gruden intent on keeping as many regulars as possible healthy for next weekend's playoff game against the New York Giants, Tampa Bay played without seven starters — five of them on offense.

Luke McCown started in place of Jeff Garcia at quarterback and running back Earnest Graham also got the day off, finishing 102 yards shy of 1,000 rushing after entering training camp as the fourth-string tailback.

With middle linebacker Barrett Ruud sitting out, Jeremiah Trotter made his first start for the Bucs after being inactive for 13 of the first 15 games.