How bad is my College Transcript?

It's hard to say what kind of chance you have because I would need to know your current GPA and what the admissions requirements are for the local state universities. Usually there is a minimum requirement of about a 2.5, but a 3.0 is a pretty automatic admission from high school. However, they will probably want to know why you have three withdraws on your freshman transcript. You can probably bounce back from the F if you get good grades for the remainder of your associates degree.