Found it. Does anyone have a copy of this book. It was written in 1991 by Martin Keating, Governor Frank Keating's brother.
Government Editorial Source: http://www.devvy.com/keating_20010604.html Author: Devvy Kidd Posted on 06/20/2001 16:42:12 PDT by sirgawain
THE FINAL JIHAD: ANOTHER OKC BOMBING 'ODDITY' Devvy Kidd June 1, 2001
According to Amazon the published date is June 1996. I don't remember any OKC similarities or a character named Tom McVeigh either. But it did have a hijack plot similar to 9-11 in it. Perhaps the terrorist got the idea from the book.
Still is a good read. As good as Tom Clancy's stuff. Advise checking it out from a library as I did, unless it's in paperback now.