GEAR UP LNDG. RPTR ATTRIBUTES LACK OF RECENT FLYING; POOR TWR CTLR; CONFUSION AND DISTR AS CONTRIBUTING FACTORS.

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ON FEB/SUN/96; AT APPROX XX40 I TOOK OFF ON RWY 28L TO DO TOUCH AND GOES AND 3 EACH STOP AND DOES FOR CURRENCY REQUIREMENTS. I HAD COMPLETED 2 TOUCH AND GOES AND WAS CLRED FOR THE OPTION ON MY THIRD. WHILE ON DOWNWIND ANOTHER ACFT IN THE PATTERN WAS INSTRUCTED TO CHANGE FROM RWY 28L TO RWY 28R. THERE WAS MUCH CONFUSION ON THE RADIO DUE TO THIS ACFT NOT FOLLOWING INSTRUCTIONS AND LNDG ON RWY 28L -- DIRECTLY IN FRONT OF ME. MUCH DISTR OCCURRED AT THIS SAME TIME WITH NUMEROUS OTHER ACFT CALLING IN FOR LNDG INSTRUCTIONS. WHILE ON MY FINAL APCH I WAS LOCATING THE ACFT IN FRONT OF ME; WHICH WAS LNDG ON THE WRONG RWY (28L). UNDECIDED WHETHER A GAR WAS NECESSARY I FAILED TO DO MY GUMP CHK AND A GEAR-UP LNDG RESULTED. HUMAN CONSIDERATIONS: PERCEPTIONS: TWR CTLR COULD NOT MAINTAIN CTL OF ACFT IN ARPT VICINITY -- APPEARED SHE WAS IN TRAINING. ACTION OR INACTIONS: I WAITED 20-25 MINS WITH 4 OTHER ACFT FOR TKOF APPROVAL ON RWY 28L WITH LIGHT AIR TFC CONDITIONS (2 ACFT IN PATTERN AND ALLOWED 2 LNDGS). FACTORS AFFECTING THE QUALITY OF HUMAN PERFORMANCE: I WAS ANXIOUS AFTER WAITING 20-25 MINS FOR TKOF APPROVAL. I WAS NOT COMFORTABLE WITH THE 'CTL' OF THE ATA. MY ATTN WAS DIVERTED FROM FLYING THE ACFT TO THE CONFUSION OF THE VICINITY OF OTHER ACFT. WITH THE LACK OF RECENT FLYING TIME I WAS NOT AT MY BEST LEVEL OF PERFORMANCE. WITH THE CONFUSION AND DISTR OUTSIDE THE ACFT THIS INCIDENT OCCURRED.