I think probably better than getting the opinions of posters around here, you would be better served by talking to your advisor if you have one -- they can give you a better indication of how students from your school with perhaps similar numbers have done.
As for the overall competitiveness of your application, obviously you would be more competitive with a 30+. If you realistically think you can get that score, I think it would be worthwhile to retake the MCAT. However, there are definitely lots of applicants who get in with your numbers. There are also lots who don't -- as you can tell, it's sort of a crapshoot. If you do apply this year, I would definitely apply to a wide range of schools -- what state are you from? Your state school is usually a good place to start, although some systems (CA and TX come to mind) are extremely competitive. Tulane, NYMC, SLU, Med. College of Wisconsin are some med schools that instantly come to mind -- your GPA might be a little lower than their ave., but I think your GPA might be a little higher, so it could balance out. Even though the MSAR doesn't give standard deviations, the averages are still a good place to start. It probably isn't worth it to only apply to schools that have ave. scores between 11 and 12. However, those that are in the 10's you might have a better shot at. Good luck.