Linda, have you tried taking your pulse manually while wearing the Garmin to see if the numbers are close? For example, stopping at the top of a hill when you feel that your heart is pounding or beating fast and taking your pulse at your wrist or neck while the Garmin is also taking it? You could try this at rest too. It's a simple test but may point out a discrepancy.
When I used to wear a Polar HRM, my max HR was usually around 180 or 190 and average HR around 150+ on a ride, and my calories burned about 400 per hour, and I'm little (<105 lbs). My DH, who weighs in the 150s, always burned a lot more calories than me on the same ride, according to his Polar, even tho his average HR was quite a bit lower than mine.
I agree with others, your numbers seem very low, though the calorie number is low b/c of the HR being low, so that's why I suggested verifying the unit is measuring your HR correctly. If it is, then you are very, very fit!
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow