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next, a home's electrical needs are 'sized' to what is called a 'Demand Load Calculation' , which basically takes the square footage & appliances into consideration.
last, you should not simply upgrade one piece of your electrical service like the panel, as the main wire from the poco to the meter, the meter itself, as well as the wire from the meter into your panel, and all grounding conductors must follow suit for a safe installation.
BTW, I am in the Northeast (Long Island - almost .14/KWH) and the Utility (Power Co.) here requires the House to have certain Insulation values before they will approve installations of Electric Heat. If your set on this it might be a good idea to check with them to make sure that there will be no problem.
[This message has been edited by Bill Addiss (edited September 28, 2002).]