On a K20D, there are of course three metering modes. Spot, average, and 'matrix.'
Worry about spot, later. The 'matrix' mode is the one in green, which you can select via the switch under the dial on the left side of the camera. This is the 'smartest' metering mode: it looks at several areas of what you see in the finder and calculates them separately according to what some engineers figured would be likely to add up to a typical exposure. It will usually do quite well.
In between these is the 'average' metering mode: this is what we used to call 'Center-weighted' metering in the old days. Here, the light meter will calculate an exposure for you based on a single reading, taking the center of the frame as well as usually a bit lower into account much more than the top corners as you hold a vertical shot. This is a pretty 'classic' mode of metering, back when things were done by optics rather than computers. (Spot simply makes a flat reading out of the very center of the frame)
You may use either average or matrix metering with pretty good certainty under most conditions. For a beginner, I would advise the matrix setting unless you are in a darker condition with, say, streetlights. (this can fool the computer) If you use the average setting and pay attention to what the meter tells you, you'll learn more about what's going on, though.
Last edited by Ratmagiclady; 12-02-2009 at 08:01 PM.