Terry,
This may be to late, but I have a Pentax Optio w90. It is a great waterproof camera. I take it caving which is one of the most wet, dirty, muddy places a camera can be. Mine has done me well on trips crawling through mud, climbing up waterfalls, rappelling, etc., etc.. It is also very compact. It does not take SLR level pictures, but for what it is it is a great option.
Karl