CHICAGO, JAN. 10 -- Coach Mike Ditka said his Chicago Bears "ain't good enough," and Bears wide receiver Dennis McKinnon said Ditka "could've called better plays." So what we have here apparently is one unhappy family.

The Bears' season ended today with a 21-17 loss to the Washington Redskins, and their off-season begins tomorrow with several Bears expected to "go off" on Ditka. One is McKinnon, who -- wrapped in a fur coat -- wasn't feeling smug. He said today: "If we win, the coach takes credit. And if we lose, then we take the blame. Never fails."

Twenty-three Bears could become free agents in February, and McKinnon said he and a bunch of others can't wait.

"A lot of guys aren't happy, and I'm one of them," he said. "I've been around here four years and played my butt off and I played hurt and helped this club win. And with the respect they showed me this year, I don't want to come back for that. Not at all. There's no loyalty in this organization whatsoever. If you can play and help them win, that's fine. Anything else, it doesn't matter."

McKinnon isn't exactly a team spokesman because tackle Jim Covert heard McKinnon's opinions and said: "That's a bunch of crap." On the other hand, linebacker Otis Wilson -- benched a couple weeks ago -- thought McKinnon had a point there and said: "Nothing's wrong with me. I'm healthy. It's got to be something wrong with them {the organization}."

The Bears talked more about themselves today than the Redskins. Quarterback Jim McMahon, who missed the last three games with a sore upper hamstring, completed three passes to Redskins, 15 to his own teammates and finished with 197 yards passing. He said it was "probably the worst game I've played in a long time." He also said it didn't help that linebacker Neal Olkewicz socked him in the shoulder socket in the second quarter and that his tender hamstring felt raw in the end.

McMahon -- dressed in pink Adidas, a pink sweater, a fur-lined leather jacket and snazzy derby -- figured he might become next year's featured Bear with Walter Payton retiring, but also warned: "If I threw it every week like today, I might not play {next year}."

Ditka's speech was shorter and more to the point. "We just ain't good enough right now with the people we have or with the way we're playing, so something has to be changed, and we'll evaluate ourselves -- coaches and players."

McKinnon thinks Ditka ought to re-evaluate himself. He said the Bears ran with early success with Payton (at one point, the team rushed 12 straight times) but forgot about its passing game.

"{The Redskins} isolated Willie {Gault} with Darrell Green all day, and you knew that would happen," he said. "On second down, they primarily came in with nickel {backs} and put a linebacker or No. 40 {strong safety Alvin Walton} on Dennis Gentry, and they played {cornerback Barry} Wilburn on me. That's like a cakewalk. Wilburn can't cover and neither can No. 40. And Gentry and myself are the best guys we have going against man to man defense. And {Ditka} knows that.

"You talk about it all week, and in the game, you don't do it. . . Is it worth it, playing hurt (he had a bruised knee coming in)? Is it worth it coming back and playing? Sometimes, I think it's not. I'd rather play on a team where I feel I'll be utilized, instead of sitting around doing nothing and letting some rookie {Ron Morris} take my spot."

As for Ditka's play calling, McKinnon pointed out that McMahon led the team to several comeback victories (against Kansas City and Tampa Bay, for instance) calling his own plays. Once today, the Bears trailed, 21-14, and had a first-and-10 at the 13 and used three straight runs to gain five yards.

Even McMahon said: "My thoughts were to score a touchdown."

"We audibilized maybe twice or three times, but -- basically -- Ditka called all the plays," McKinnon added. "Jim's had the experience. When he's on the field, he knows what's happening, and he should be in control of the ballgame. . . . For some reason, Mike called the game. Jim's called the plays before and brought brought us back. Why didn't it happen today?"

McKinnon, who caught one pass for 16 yards, ripped anyone he could.

His own offensive line: "We told our line up front: 'Just give Jim four seconds, and we don't want him to have to run that much, and he'll find the guy who's isolated man to man. . . . We did it early and got away from it."

His own secondary: "The pass defense was suspect in the second and third quarters. When we had them third and 14, third and 18, third and 20, {the Redskins} got firsts."

Although McKinnon was reluctant to credit the defense, speedy teammate Gault -- who caught one pass for 44 yards -- gave the Redskins some praise, especially Green, who blanketed him before going out with a rib injury. Gault did say, though, that the Redskins played "more zone than I've ever seen them play, even when Darrell was on me. They weren't as predictable as they've been in the past."

McMahon claimed his layoff from playing did not affect him, though he admitted the hamstring hindered his mobility. And as for imminent personnel changes, he said: "That won't be my doing. I'm not the coach. . . . Listen, I didn't throw the ball good in the second half. I didn't play a good ballgame. I know you guys {in the media} are going to put heat on me, and I deserve the heat."