Honestly, with a Canon S95 you already have a really really capable camera.
I'd suggest working on your skills and asking photographers to critique your work, try to improve what you've already got. I don't mean to offend because I don't know what your photos look like right now but I'm going to go out on a limb and say that just getting a bigger, heavier d-slr isn't going to give you a night and day improvement from your S95 because it's a good bit of equipment... if you were talking about some 8 year old Kodak, yeah, definitely upgrade.
If you do feel that buying a d-slr is THE step, please take this one piece of advice and rent one before you plunk down the cash, or make very sure it's returnable after a few shots.
Oh, and give this a read through