While researching a camera, take some time and research basic photography. You should have at least a basic knowledge of exposure before you compare the features of different cameras.
Basically...F-stop is the number assigned to the size of the lens aperture (or opening). The smaller the number, the bigger the opening (called faster). The larger the number, the smaller the opening (called slower). The size of the opening combined with the shutter speed, will determine the exposure of the photo.
When comparing lenses, the max aperture (low number) is fairly important. For example...a 50mm F 1.8 lens has a max aperture of 1.8...which is quite good. This means that the lens can open up really wide and let in lots of light...therfore giving you the option to use a faster shutter speed to obtain the proper exposure. This is good for low light situations. You want to have a faster shutter speed if you are holding the camera in your hands because the picture will be blurry if the shutter is slow and the camera shakes even slightly. If you use a tripod and a remote release then it does not matter because the camera wont shake.
A lens with a max aperture of 3 or 4 does not open up very wide which means that you will have to have a slower shutter speed to get the proper exposure. This is OK for bright situations where the lens can be closed down to F16 or so but not for darker lighting where opening the lens would really come in handy.
I did not even mention Depth of Field, which is controlled by the aperture.
Sorry I rambled on...