I read a book between 1990 and 1992. The only thing I can remember about the book is the cover had a female riding on a dragon and was shooting an arrow into either a F-14 Tomcat or a F-16.
From what I can remember of the storyline the king of the land is a man that was transported from the modern world and uses technology to rule his subjects. Somehow this pilot gets sucked into the same world and his jet is disabled by an arrow to the wing and is forced to crash land. The dragon rider recruits him to go after the king.