Pay no attention to anyone who, without asking what your photographic needs are, or knowing anything else about YOU, says "buy THIS camera." Bottom line, there is really no bad choice in modern DSLRs. As Prof_Fate stated, you are really buying a system, and over time you'll spend more on lenses than bodies. That said, both the Canon and Nikon systems cover the needs of the vast majority of photographers very well, and each system has strengths and weaknesses.
For a first DSLR for someone who's relativley serious about photography, you're looking at the righ range of cameras, IMO. The D100 is still a fine cam, but the D200 will be a significant step forward. The 20D should soon be replaced (announcement may come at PMA this Winter). That one might be one to watch, if you have a little time to wait.
Once you have a list of two or three cams, get each of them into your hands and play with them, see which one fits best, which controls seem "right" to you. Do study performance reviews, but don't let those reviews be your only input. Good luck on your decision!
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