Chuck, I just installed the Banks in my '97 ZJ a couple weeks ago. Install went very smoothly and I was impressed with the header. It was truly a complete kit with all needed bolts/nuts, anti-seize compound and gasket. A couple of things made my install smooth. First, a couple of days beforehand start spraying a penetrating oil on all the nuts you'll need to loosen. Second, make sure you have a 9/16 flex socket. It took me a couple of hours to complete and I would consider myself with just average mechanical skills.
-Jeff