Oh well.... our ride late this afternoon turned out to be 6 miles rather than 20+ .......

That chirping noise is still there, and now appears to be coming from the rear derailleur or cassette & freewheel service.

Kitsune: I believe on another thread you mentioned the "Park Tool Website", and that's where I found the names that I mentioned above. (well.... I knew 'derailleur'....but, the other I didn't .
I'm going to really check out that site tonight -- lots & lots of very informative stuff.

So, I'll call my lbs tomorrow and I HOPE that he'll be able to check it out & fix whatever the problem is so that I can go riding tomorrow.... I don't want to be without my bike for long!

Have a wonderful evening everyone.

Denise