| Dude
If you can't make up your mind, buy a cyclocross bike. MTB is great, but you'll soon get sick of how slow it is on the pavement. Road bike is great, but you'll be wishing you could ride on dirt roads and trails. If you can't quite afford both, buy a cyclocross bike. A cyclocross frame is much like a road frame, only with more tire clearance, and cantilever brake bosses. Most cross bikes have wide, shallow drop bars, cantilever brakes (better stopping power than calipers + better mud clearance), road and/or mountain drivetrain components, and 32-37mm knobby tires. I don't think I need to explain the origins and history of cyclocross racing here, but trust me, cross bikes are way cool, and work well for everything. They really are the best of both worlds.
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