Thanks Droogie
And yes, you could get an older DSLR and lenses, but for one, they would be crap compared to the newer point and shoots you can get and two, I still doubt you will be satisfied. It would be much better to just get a decent modern point and shoot.
Personally I would recomend the Nikon if you can affrod the extra ~20 more. I'm not a Nikon fan but that is definitely one of the top contenders in your price range.
Second I would go with the Fujifilm, it's got some good specs and I've heard some pretty good things about it.
Of course all of them are good and you can't really go wrong with any of them so it comes down to personal choice
If you can, go to some local camera shops and try to find these cameras, hold them, use them, see if you like them. That's always very important.