Jon,
I wouldn't let a slightly lower than average GPA deter you from applying to graduate programs this fall. There are numerous factors that go into a schools decision process when reviewing applicants. That being said, a 3.2 GPA won't get you into Harvard--and I'd be skeptical about St. Louis U and U of Toronto (at least according to Peterson's guide to Graduate School both of those schools, which are top schools on the Gourmet Report, have around a 6% acceptance rate).
http://leiterreports.typepad.com/blog/2011/03/are-some-schools-using-undisclosed-gre-cut-offs-in-admissions-decisions.html (there is some good discussion about GPA and other "cutoff" information in the comments section)
Best of success,
Norman