New to Tri...Coming From Nothing

Im 15, 185lbs, and 5'11, i palyed football for 3 years and this year ran a season of cross country, so im still rather big, considering i played on the line. I did ok as far as improvement went this year at cross country. I cut roughly 3.5 minutes off of my 5k. I got into cycling pretty serious this summer and ride whenever i get the chance, but there are few road races around here but many tri's so i would like to get into doing tri's. I own an old...1970's...road bike that was my dads and am lookin at gettin an '06 Giant TCR 2 and throwin some clip on aero bars on it, but now that im thinking more towards the Tri i am considerin puttin the extra cash into a Cervelo soloist bike, what do you guys think? Also, i live in Ohio so the winters are FREEZING so swimming will be hard for me to train for, i can prolly get out to the YMCA once maybe twice a week at most. I will most likely be competeing in Sprint tri's, if that makes any difference...What do you guys think i should do training wise, I looked at the training plans on the site and they look useful but i was wondering if anyone had any special advice. BTW biking is by far my specialty, my best 5k time is right around 20:15, it could use work but my biking i average 26 mph for a 20 mile ride on a windless day...Thanks for the advice.

Eric