Hoover freshman defensive back Tristan Hager intercepted Payne at the Huskies' 7-yard line on the Dots first possession of the third quarter.
Huskies sophomore tailback Shaun Dotson, who finished with 130 yards, scored six plays later on the ensuing possession, ripping off a 68-yard TD burst as he shed two tacklers along the way to give Hoover the lead for good at 19-16 with 3:46 remaining in the third. Poca forced Hoover to punt on the possession, but the Huskies were given new life on a 15-yard penalty on the Dots for roughing the kicker.
After that the Hoover defense took over, forcing Poca to turn the ball over on downs its final three possessions. Huskies senior Joey Forbes turned in five catches for 63 yards.
"Our kids played their butts off,'' said Hoover coach Tim Meyer. "They just went out there and had fun. It's great to see those kids enjoying themselves and working hard.
"They played four quarters and I'm proud of them. The coaching staff did a heck of a job. Defensive coordinator Steve Canterbury put together a great game plan and our kids executed. They just played a great ballgame.''
Loudin finished with 120 yards while Payne turned in 114 yards, but the Dots couldn't overcome the mistakes. Poca committed seven penalties in the second half after having none in the first half.
"We didn't play with any spirit and enthusiasm,'' said Poca veteran coach Bob Lemley. "When it boiled down to it, Hoover wanted it worse than we did. I was disappointed in our execution. We were healthy enough tonight we just didn't play well.''