Thank you for the reply! I learned a bit more information. I contacted the trust holding my 403(b). They indicated I had one account, but two types of funds - Roth & Traditional Pre-tax. My deduction was going into the Roth and the company match was going into the Traditional Pre-tax. So when I did the roll over, because I was rolling it over into a Roth IRA, they took taxes out on the Traditional fund. So by taking the taxes, it converted the traditional to Roth. It doesn't seem right that I would have to pay a withdraw penalty for that. Does this information change your response? I truly appreciate your expertise!
