SMT MAKING UNAUTHORIZED LOW APCH CAUSES AN NMAC WITH A FGT ON A MIL APCH TO THE SAME ARPT.

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THE FLT WAS AN INSTRUCTIONAL FLT FOR FBO. WE WERE IN THE TFC PATTERN PHASE OF INSTRUCTION. HUTCHINSON; KS; IS OUR PREFERRED TRAINING ARPT. WE OPERATE THERE ROUTINELY. I HAD BRIEFED THE STUDENT PRIOR TO TKOF THAT WE WOULD BE MAKING A NORMAL TFC PATTERN AND A BALKED LNDG. WE TOOK OFF AND MADE THE TFC PATTERN. IT IS TYPICAL OF HUTCHINSON TWR TO CLR US FOR THE OPTION; ESPECIALLY IF WE ARE THE ONLY AIRPLANE IN THE PATTERN; WHICH WE WERE. I WAS IN THE PROCESS OF MAKING SOME INSTRUCTIONAL POINT WHEN OUR LNDG CLRNC CAME. I EXPECTED ' CLRED FOR THE OPTION.' I DO NOT RECALL THE CLRNC HE GOT; ALTHOUGH I DID ACKNOWLEDGE. AT ABOUT 100 FT AGL; WE INITIATED A BALKED LNDG. ALMOST IMMEDIATELY; THE TWR CTLR SHOUTED: 'I CLRED YOU TO LAND; NOT FOR A LOW APCH!' WITHIN A FEW SECONDS; 2 FGTS PASSED DIRECTLY OVERHEAD; SEVERAL HUNDRED FT ABOVE. I BELIEVE THE CAUSES OF THIS NEAR MISS TO BE 1) MY FAILURE TO FOLLOW MY LNDG CLRNC. 2) MY LACK OF SITUATIONAL AWARENESS REGARDING THE FGTS. THEY WERE TALKING TO HUTCHINSON TWR ON MIL FREQ. HUTCHINSON WAS XMITTING DUPLEX. I DO NOT UNDERSTAND THE 'HIGH KEY' AND 'LOW KEY' POS. I WAS NOT ADVISED OF THE FGT POS OR INTENTIONS. 3) THE RELATIVELY HIGH SPD OF THE FGTS; WITH THE ATTENDANT HIGH CLOSURE RATES. PREVENTION: 1) I NEED TO PAY CLOSER ATTN TO MY CLRNCS. 2) I NEED TO GET SOME EDUCATION ON MIL TERMINOLOGY. 3) I BELIEVE THAT COMBINING CIVILIAN TRAINING TFC WITH HIGH SPD MIL TFC IS A BAD MIX.