What great feedback!

Thanks all. I will look into the Surly Pacers.. my biggest concern with that one is the issue of weight.

I have checked out the Terry bikes. Great looking, but I'm not sold on having tires of different sizes.

I agree that fit should be the most important factor. I wish I could find something in my size here locally. The LBSs here want me to pay for half of the bike before I even get to try it, since it is a custom order. If I pay for it and it doesn't fit, I'm stuck with it. Is that typical of most bike shops? It seems unfair to both the short and tall riders of the world who don't fit the bikes on the floor. Boo. I guess I should guestimate my size as best I can and then pick one model and hope for the best? The LBS here sized me at a 43-44cm frame (and that was for a Felt or Bianchi frame).

As for the Honolulu century ride - on a mountain bike?! That's amazing! I want to do the Haleiwa century ride but it is in a month, and I don't think that gives me enough time to find / order a bike I want. I'll aim for the Sept. Honolulu century instead, I guess. I'm so excited to start cycling! I can hardly wait!