Oy and Matt are both spot on with their advice, give the S5500 a chance, read the manual and try everything, Fuji digital cameras excel at macro(close-up) photography, have a good play with this feature its great fun and you will get some excellent results I'm sure.
Regarding the DSLR's my advice would be go for the EOS350D, if the small size isn't an issue for you it's by far the best camera of the three mentioned.
On the subject of kit lenses I'd personally give them a miss, you would be far better off buying the body only then using the rest of your available cash to purchase a better quality lens of a magnification range that best suits the sort of images that you want to take.
There is little point in buying a good camera then hanging a cheap peice of glass on the front, to a great extent image quality is relative to the quality of the lens fitted.
Good luck, and if you want any advice re macro work with fujis then give me a shout