I suggest you read this review on the Fuji S3100.
This is Steve's conclusion page:

http://www.steves-digicams.com/2004_reviews/fuji_s3100_pg5.html

He speaks of poor low light performance and the lack of "Burst" mode for action photography.

I recently used a Konica-Minolta Z2 at a wedding.
The wedding was out-doors but the reception was in a dimly lit building. The Z2 performed well outside and inside. It has a strong flash (covers 20 feet) which was a big help too.

I have used the Z2 burst mode and that is great for sports or action shots.

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