Ginny - Welcome to Maintainers!
Ya know, I have the same 'problem'. Right now, it takes me FOREVER to lose a pound or two. That's the main reason I don't weigh myself. And I don't do the bodyfat testing thing either - I'm not trying to get into a competition or anything. As long as I can fit into my size 4's, then I know I'm doing okay.
19%-20% bodyfat is an EXCELLENT place to be! Don't make your life miserable by obssessing about being a lower BF#. The thing is (as I've painfully learned myself), once you get to a weight that your body is 'happy with', any efforts to get lower will result in a killer rebound. At this point, what I'd suggest is doing a little 'jogging in place' and just keep doin' what you're doin'.
Another thought - how much weight have you lost in total? Perhaps what you're looking at isn't fat, but loose skin and empty fat cells. How have you been measuring your bodyfat percentage? BF measuring isn't an exact science by far.
What I'd suggest is keep up with the exercise and eat right - but don't get all upset about it. You're at your goal weight - now's the time to enjoy life. Summer's almost here - find something active and non-diet/fitness related to keep yourself occupied (with me, that's horses...could be something else for you - golf? tennis? Something active and FUN!).
ENJOY LIFE!
