First, don't write off the Ph.D. so casually. I know plenty of successful Ph.D.s whose undergraduate GPA was far lower than yours, whose transcripts included "C"s and "D"s. If you're interested enough in math to think you want a Ph.D., then there's probably a way to do it. Second, doing the master's thing can be a good idea to help you sort all this out. You'll have a year or two to learn more math, learn more about how academia works, and make connections which can help with furthering your grad and post-grad career. Choose a school carefully, and look into funding options. You might want to consider a bigger place--say a state university somewhere--where there are more likely to be people connected to the world of math at large. Such connections can help with furthering you career, whether it be industrial, academic, or ??? Finally, learn to program in several important languages: C, C++, Java, PHP, Python etc. You can probably start taking programming classes right now, and segue into more advanced stuff in grad school. Programmers are now in great demand and will be for some time, I'll warrant. And, I think, being able to program as well as understand deeper mathemtatics is a good combination.
Best of luck with these tough decisions. If you have any questions, leave a comment and I'll try to get back to you.
Note added Friday 27 June 2014 10:58 AM PST: I thought a lot about your situation and my response while I was at work yesterday and today, and I'd like to add a few more remarks. First of all, I think it behooves one in your position to know that there are a great many ways to approach graduate school, both in terms of program and funding. And I think more options will open up for you if you can get yourself into a big school in urban area with lots of work available, both on and off campus. I live near UC Berkeley, and this area is sort of a model for what I have in mind: there are many colleges and tech businesses in the area that can provide work for grad students; you might also take into consideration that, having been at a small school in (what appears to me to be) an isolated place, the change of pace/lifestyle provided by a more urban environment might serve to expand your horizons and open your mind to new experiences which you can exploit to further your academic/intellectual goals. As for funding: this is an extremely important aspect of graduate study, a fact of which you seem to be aware, judging by your post and comments.
NB: I must hurry now since the closure demons are hovering over this question. So think on a scenario like this one: get a job in industry in an area with a good school; get in an M.S. program part time, often your company will help pay for this; use what you learn to make connections, look for and carefully plan your nest move. Might be fun! You can email me if you want to hear more. Check my user page for the address. Best of Luck, and Let your Love of Mathematics be your Guide!
Hope this helps. Cheers,
and as always,