Probability of Acceptance

I was wondering if anyone could tell me my chances of getting into top schools (i.e. Columbia, Wharton, Stanford, Kellogg) for Fall 2005 admission on a scale of Poor, Fair, Good, Pretty Good.

I know that the answer in general is it depends, but I was hoping I might be able to get a straighter answer. Anyways, here are my credentials:

Graduated from SUNY Buffalo in May, 2003 with a 3.65 gpa, with pretty good extracirricular activities. Got a 750 on the GMAT.

What worries me is job experience. I will have only been working for a little over 2 years by Sept 2005.

I was a billing analyst for a Physical Therapy office for the summer before senior year and a couple of months after graduation and had a huge impact on cash flow (i.e. 20% increase in revenues).

Since then I have been a fund accountant for a rapidly growing mutual fund company in which my responsibilities have grown and will continue to grow fairly consistently (even though it is a pretty horizontal organizational structure, so I probably won't technically get a "promotion" unless I work here for at least 5-10 years or so)

Can anyone give me a broad idea of my chances of getting into top B-schools? Also, if you have any suggestions of things I can do to increase my chances for Sept. 2005 admission, please let me know.

Thanks a bunch.