Hi pencildj ,
Rebecca is out for a couple of days , so you might have to wait a little to have her review on your picture … If you don’t mind , I’m gonna try to give you my feelings about it :
From what I see , it seems you have a pretty good start , the overall proprtions seem ok …
Some points : I would be careful on the top of the torso , try to pay attention on the ribcage , I think it might needs some definition , the general shape seems a bit off especially on the back view. The waist appears very thin , even women don’t have such a curve on their back …
My main advice would be : everything seems really square , try to get some references of the body muscles and match your wireframe , edgeloops to it (some bodybuilders photos and/or anatomy sketches) … no matter how muscular model you’re reaching for , it will be really easier to tweak your model once you got the right muscles setup …
I don’t know what software you’re using , but there’s a thread by Stahlberg on the body topology in the maya forum … Maybe it would help you to reorganized your mesh even if you use another package …
Hope it helps 
cheers ,
-Zapan