My take on the situation
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Mrs - I have no problem with this and, since I am married, that is how I refer to myself. The children of the other transplanted northerners I am friends with call me "Mrs. ------- "
Miss - Is how I liked to be addressed when I was single. The children of my southern friends call me "Miss Tracy" and I think that's cute
Ms. - I really don't like this. I believe this term was coined when I was a pretty young child in the early seventies (correct me if I'm wrong), and I always associate it with the hardcore women's libbers like Gloria Steinem (sp?) and also Bonnie Franklin's annoying character on "One Day at a Time" who insisted on being called "Ms. Romano" Like spandex pants, rainbow sequened tubetops and roller boogie, Ms should have stayed back in the seventies.
Ma'am - Didn't used to like it because it made me feel old. Now I AM old, however, so it doesn't bother me. Plus, being around military installations fairly frequently, you can't really avoid being called ma'am.