COMMUTER FAILS TO CONTACT TWR WHEN HANDED OFF FROM TRACON. LAND WITHOUT CLRNC.

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LNDG E RWY 9R APPROX XA40 EST. WX CAVU. MY LEG; FO ON RADIO. APCH ADVISED CLRED VISUAL TO FOLLOW MLG TO 9R. WE HAD TFC AND ARPT IN SIGHT DURING ENTIRE APCH. AT OUTER MARKER; TWR FREQ (119.1) WAS PUT IN BUT FREQ CONGESTION PREVENTED IMMEDIATE CALL UP. WE WERE BUSY GETTING GEAR DOWN AND LNDG CHKLISTS ACCOMPLISHED; THEN FLAPS TO 25 AND 45. AFTER LNDG; TURNING OFF AND HOLDING SHORT OF 9L AT TXWY SIERRA FOR A MIN; WE HEARD APCH SAY 'CONTACT TWR 119.1.' THAT'S WHEN I NOTICED THE 'ACT' LIGHT ILLUMINATED ON COM 1 INDICATING THE DISPLAYED FREQ WAS NOT THE ACTIVE FREQ. WE SWITCHED FREQS AGAIN; AND CONTACTED TWR FOR XING INSTRUCTIONS. I WENT IN AND CALLED THEM ON THE LANDLINE TO APOLOGIZE AND MAKE SURE THERE HAD BEEN NO CONFLICT OR PROB CAUSED AND THEY ASSURED ME THAT EVERYTHING WAS FINE. I BELIEVE THIS PROB AROSE BECAUSE MY FO AND I DID NOT 'MESH.' NOT THAT THERE WAS AN OVERT PROB; BUT A MORE SUBTLE CONFLICT THAT PREOCCUPIED BOTH OF OUR THOUGHTS TO THE POINT WHERE WE WERE NOT REALLY LISTENING TO THE RADIO. OTHERWISE; I'M SURE EITHER OF US WOULD'VE RECOGNIZED 'APCH TALK' FROM 'TWR TALK.' AFTER LNDG I REMEMBER WONDERING (AS WE HELD SHORT) WHY THE TWR DIDN'T CROSS US WHEN THERE WAS AN OBVIOUS OPPORTUNITY TO DO SO. SO; EVEN THAT DIDN'T 'WAKE ME UP' ENOUGH TO RECOGNIZE THAT I WAS STILL LISTENING TO APCH CTL.