  We suggest that the lattice Dirac spectra in QCD at finite temperature may be
understood using a gaussian unitary ensemble for Wilson fermions, and a chiral
gaussian unitary ensemble for Kogut-Susskind fermions. For Kogut-Susskind
fermions, the lattice results by the Columbia group are in good agreement with
the spectral distribution following from a cubic equation, both for the valence
quark distribution and the anomalous symmetry breaking. We explicitly construct
a number of Dirac spectra for Wilson fermions at finite temperature, and use
the end-point singularities to derive analytically the pertinent critical
lines. For the physical current masses, the matrix model shows a transition
from a delocalized phase at low temperature, to a localized phase at high
temperature. The localization is over the thermal wavelength of the quark
modes. For heavier masses, the spectral distribution reflects on localized
states with competitive effects between the quark Compton wavelength and the
thermal wavelength. Some further suggestions for lattice simulations are made.
