I have an FZ20 and find it quite noisey in low light. The way I shoot in low light is to use a tripod, keep the ISO set low (to minimize noise) and set the camera to auto bracket a stop, usually in manual exposure control and with manual focus so the camera doesn't have to try that. I will sometimes set the camera to aperture priority and use spot metering. I also use the 2 second self timer to trip the shutter in order limit camera shake.

The reason I bracket is that sometimes I need to do image blendng using the bracketed shots to get the image I want.
http://www.luminous-landscape.com/tu...blending.shtml

You may also find that you need some noise reducing software to limit the noise in the final image.