While on a passenger carrying, on demand, air taxi flight, the pilot made an approach to land at an uncontrolled airport to pick up additional passengers. During the approach, he was discussing the shortened runway, due to construction, with the UNICOM operator. The pilot said that due to the distraction of his conversation with the UNICOM operator, he forgot to lower the landing gear and landed with the landing gear retracted. He heard the landing gear warning horn when he reduced power, in the flare, for touchdown.

The National Transportation Safety Board determines the probable cause(s) of this accident as follows: