Vansmith,
I had all that set. Always have had. For 3 odd years.
When I fiddled with the region time (where you move the time zone on a world map) I noticed that it was always 1 hour ahead, wherever you set the zone. So for example, London time is out by 1 hour ahead, move zone to central europe, and that too is 1 hour ahead.
With all the recent discussion on Mac malware/trojan/virus, I wonder if something has been installed, unbeknown to me.
Neil