There's already a fuel station in Nevada that will be able to service FCV. Car makers are building more this year and next in California. GM and Honda will be offering home FC generators (for use with the cars) in 2005. Home systems are expected to be deployed in homes that already have natural gas.
More stations can be found here. PDF format.
There has been a dramatic drop in fuel cell costs, while the density has increased. There will be a need for a standard since there are several different ones on the market at the moment. SOFC, Alkaline, PEM, Zinc/Air, etc. Which stack will win out?
I agree on the five years before mass consumption and it will probably be around 8. It is estimated that it will take another 20 years after that point before there is a complete rollover of fleet vehicles. Gasoline vendors are already looking at a way to retrofit existing stations for the new "hydrogen age".