Terry Cummings scored 29 points, including six crucial free throws in the final seconds last night, as the Milwaukee Bucks beat Chicago, 105-97, to capture their opening-round National Basketball Association playoff series, three games to one.

The Bucks advance to the Eastern Conference semifinals against the Philadelphia 76ers, who beat Washington, 106-98, to win their series, 3-1.

Milwaukee led, 83-70, entering the fourth quarter, but had to hold off a late charge by the host Bulls.

The Bulls closed to 98-97 with 36 seconds left. Cummings, who missed two free throws with a minute remaining, made four straight to put the Bucks ahead, 102-97, with 20 seconds remaining to finish Chicago.

"I just hadn't touched the ball in so long," Cummings said of his misses. "I decided I had to get back into position to get to the line again, and I went to the boards and got fouled."

Sidney Moncrief scored 23 and Paul Pressey 20 for Milwaukee.

Chicago, in its first playoff appearance since 1980-81, was led by Michael Jordan's 29 points. As a reserve, Quintin Dailey scored 17, all but two in the second half.

Chicago came to life early in the fourth quarter, as Jordan and Dailey each scored four points and the Bulls capitalized on Milwaukee mistakes to close to 85-78.

But a jumper and two free throws by Moncrief, and two long bombs by Ricky Pierce, built the lead to 93-83. A basket and a three-pointer by Dailey brought the Bulls back to 98-94 with 1:02 left. Cummings then missed the two free throws.

Jordan was fouled and sank two free throws to narrow the score to 98-96 with 46 seconds left.

Moncrief caught the inbounds pass out-of-bounds, and Chicago got the ball back. Dailey was fouled, and sank one of two free throws for the 98-97 score.

Cummings was fouled by Jawann Oldham on the inbounds, and sank both free throws.

Jordan missed a layup and Cummings was fouled on the rebound, sinking hist final two free throws.