Fuji Finepix F30 is it. Small but packed with features.

Image quality is a killer, goes to a high 3200 ISO but useful shots are at ISO800. I've printed a 20 x 26 inch shot without any post processing and viewers think I have an SLR.

Battery is mean - 3 day period shooting about 300 shots and battery bar is not even retreating.

The XD card is a disappointing though since it is more expensive than the other formats.

Locally this is still over 20k but if you know someone abroad it is considerably less.