The one thing I have noticed with your pics, Terry is that they are fairly grainy, although not as grainy as the one I commented on the other day. The graininess can be caused by some of the settings you use, the post-processing of the image or just a poor quality chip. All digital camera (chips) have a native ISO/ASA approximation some crap manufactures misrepresent the figures you need to find the best for your camera, lighting and situation.
If I can help I will, but please remember I don't know the workings of every digital camera, but one of the biggest jumps in quality you can get with photos is the lighting rather than the camera. To a professional what I have just said is bollocks, but it is the truth
Peter