K Frank,
You were absolutely right.  My data input had class mask as channel 1 and during my data input I ignored that and thought about a production scenario.  All my input channels were off!  After adding a single number everything worked much better.  Gotta love debugging.
It’s hard to keep all this stuff straight sometime!  I do normalize my training/validation/test data using the mean and standard deviation derived from the training samples.  I normalize my “production” test data with values derived from the input test data.
It may be a better idea to normalize based on samples of the dataset going in.  Training normalization uses mean/stdev derived from itself while validation derives mean/stdev from validation samples.  Same for test.
Thank you for much for your help.
Mike