AN EXPERIENCED COMMERCIAL PLT LANDED A RENTED C182RG GEAR UP.

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ON AUG/XA/99; I FILED (IN VMP) AN IFR FLT PLAN FROM OMAHA (OMA) TO MONTICELLO; IA (MXO). I TOOK OFF AT XA20Z IN A RENTED CESSNA 182RG (#123) RENTED FROM ABC AVIATION AND HAD A ROUTINE FLT AT 7000 FT MSL. I CANCELED IFR WITH CEDAR RAPIDS APCH 10 MI W OF THE MONTICELLO ARPT. AT THAT TIME I SWITCHED MY XPONDER TO 1200 AND ANNOUNCED MY INTENTIONS TO LAND ON RWY 31 AT MONTICELLO. I HEARD TFC LEAVING MONTICELLO AND WAS LOOKING FOR THEM; APPARENTLY DISTRACTING ME FROM MY NORMAL PRE-LNDG COCKPIT ROUTINE. I WAS ALSO DISTRACTED BY THE ENG RUNNING A BIT ROUGH WITH CARBURETOR HEAT APPLIED. I TURNED OFF THE CARBURETOR HEAT; CHKED THE MIXTURE FULL RICH; PROP FULL FORWARD AND CALLED DOWNWIND; BASE AND FINAL LEGS ON THE RADIO. I APPLIED FULL FLAPS ON FINAL AND WAS SET UP TO LAND JUST PAST THE 'NUMBERS' ON RWY 31. OBVIOUSLY; I DID NOT CHK THE GEAR DOWN AND LOCKED; A FAILING I CANNOT JUSTIFY IN ANY WAY. I 'FLOATED' MORE THAN USUAL (I WAS CARRYING SOME PWR) SO PULLED THE PWR BACK AND CONCENTRATED ON THE CTRLINE AND MAKING A SMOOTH LNDG. I HEARD THE GEAR WARNING HORN AT THE LAST MIN BUT IGNORED IT; THINKING IT WAS THE 'STALL WARNING.' THE ACFT TOUCHED DOWN ON THE CTRLINE AT ABOUT 65 KTS; AT WHICH POINT THE REALITY OF WHAT WAS HAPPENING QUICKLY BECAME CLR. THE 'SCRAPING' NOISE WAS LOUD AND SICKENING. I APPLIED L RUDDER TO KEEP THE NOSE ON THE CTRLINE AND THE ACFT SLID TO A STOP ABOUT 18 INCHES R OF THE CTRLINE WITH THE NOSE COCKED 10-15 DEGS TO THE R OF THE RWY HEADING. THE TIME WAS APPROX XB45Z. I TURNED OFF THE BATTERY MASTER/MAGNETO SWITCHES; TURNED THE FUEL SELECTOR TO 'OFF' AND EXITED THE ACFT. ARPT PERSONNEL QUICKLY ARRIVED ON THE SCENE. THE PLANE WAS JACKED UP; THE GEAR MANUALLY LOWERED AND IT WAS TOWED TO A MAINT HANGAR. THE WINGS/TAIL WERE NOT DAMAGED AT ALL AND THE FIREWALL WAS NOT DAMAGED; BUT THE PROP (3-BLADED) WAS 'WIPED OUT.' SKIN DAMAGE ON THE BELLY APPEARED MINIMAL. THE CAUSE WAS PLT ERROR (FAILURE TO ADHERE TO A LNDG CHKLIST). I NORMALLY FOLLOW A CHKLIST WHEN LNDG BUT DID NOT ON THIS PARTICULAR LNDG. DISTRACTIONS AND A SERIES OF EVENTS WHICH 'BROKE' MY NORMAL COCKPIT DISCIPLINE ALL RESULTED IN A PLT ERROR GEAR-UP LNDG.