Ali,
I can definitely relate! Some times I am unhappy with the school I go to, St. Mary's University. It is a small school, which is what I wanted. Now, I want to go to a huge, out of state school. I am so indecisive it's crazy.
Like you, I wanted to transfer to a school that had an A-Phi chapter. I figured, if I am going to go to an out of state school where I am going to know nobody, going to a school with 50-150 sisters would be the greatest!
But.....I decided (for now) not to transfer anywhere and to stay where I am at. Most likely, I won't be graduating on time (in Sp '04). As of now, I decided on going to grad school out of state. There will always be an Alum chapter around somewhere.
I decided that transferring now would be a bigger problem and put me even further behind.
Only you know what is best for you. Best of luck with your decision.
Feel free to PM me if you need to chat about it.