Where can I get in? (math grad school)

i finished my undergrad this last june, i had applied to grad schools in december of my senior year like you're supposed to, but didn't get in anywhere (which i'm partially blaming on the economy).

i've been trying to find a job as an actuary, passed an actuary exam, looking to take another one, but finding a job is still hard as shit.

anyway, this doesn't matter, i dont want to be an actuary, i wanna be a grad student. help me figure out where i have a reasonable shot of getting accepted in the current situation with school budgets (not as bad a last year since they got hit at admission selection time).

school: low-mid level UC school (University of California)
GPA: 3.0
major GPA: 3.3
major: math (pure concentration)
GRE: 500 verb, 800 quant
math GRE: 620

we're on the quarter system, i took 20 undergrad math classes (100 credits) and 5 graduate classes (25 credits), graduated in 4 years. did well in the grad classes, B/B+'s with one A-. also wrote a thesis.

i know i'm not going to princeton or harvard, but i want to find the place where i can write the best phd thesis i can possibly do under the circumstances.

any personal experiences or lesser known places with great faculty are appreciated

I'm in a similar situation to OP, I spent my first three years dicking around and now I'm doing a fifth year just to get my gpa as high as I can.  I'm going to wait until my final semester is on my transcript to apply, so that will be a long while from now, but I would still like to know if its possible to get into a grad school if my final 4 semesters are 3.5-3.8 but I'm still ~3.0 overall.  I don't have any research experience but I'm doing some independent study sessions that are relatively advanced for undergraduate level.  Would it be wise to apply to master's programs and work my way up from there?  Take the math GRE in November so I can't tell you my scores yet, but I only got a 780 on the GRE quantitative (560 verbal, ugh, that shouldn't matter though).  I think I can get some very strong recommendations, one professor even requested that I be his grader for his 400-level mathematical logic course.

I am nerdy enough to read a lot of math in my free time nowadays, my favorite subjects are logic, category theory, theoretical computer science (although I'm only a cmsc minor and want to go for pure math), and anywhere those overlap.

I'm at University of Maryland, Baltimore County now btw.  I honestly believe I'm on good enough terms with so much of the staff here that I would get back in here, but I would greatly prefer to go somewhere else (for a variety of reasons).

Sorry for the wall of text, I'm optimistic that someone will bother reading it.

tl;dr I totally suck, recommend some grad schools that are lame enough to accept me and ideally match up with my interests.