Printing I do myself (wet darkroom). Developing I either do myself, if I have the time (less time now w/ a 5 month old son!), or have a local lab (Photolab in Berkeley) do the negs for me.
My darkroom is at work, which isn't always convenient. Fine if I want to stay late and work on something (although not so fine with my wife sometimes), but a pain if I want to do something on my day off, and have to drag my butt over to Berkeley...