Hi DeltaMike!
Im learning in a C152 and love it! I wonder if the 152 and 172 are similar from a handling point of view? Prior to stopping my practical training (needed to pass those darned exams before solo!) I was around the same number of hours and found the flare came with practice and my instructors constant words of "keep flying it" in my ears before touchdown. I found it easy to become too hung on on actually "landing" the plane rather than letting it land itself, if you get what I mean...
Have you passsed your air law and Human Factors yet?
Fingers