Another what about me question

Yes, a where do I stand question lies ahead, but you seem like a great resource, so can you tell me my honest chances?

I'm a caucacian woman, aiming for Kellogg, Chicago, UofM (as you can tell, I like the midwest). I took the GMAT and got a 680 (equal percentage in quant and verbal), but I think I'm going to take it again. I recieved a B.S in finance with a 3.3 (slightly lower for my major).

I worked in the accounting department for a small business for a year (so I basically saw how everything worked) before becoming an analyst in corporate america, where besides my job, I'm an active participant in various company development programs. I also am the treasurer of my alumni group, run, and work as a GA in a 12 week leadership course once a year (I would do it more often, but it's difficult to schedule).

I feel I'm in this wierd middle ground. I applied to some of these schools 2 years ago, at which time they said I needed more work experience, though I did get into my undergrad university, which, while it's now my backup and a top 20 program, I'm leaning against going to, as I think I need a more diversified education. I'm not sure if I'm a strong enough candidate to get into the top schools now, though, as I feel I'm weak in extraciriculars, and have not had the most glamorous job experience, though I feel I've progressed well.

Thoughts on my chances? Just looking for a third party opinion.