The way Magellan Displays it, and I think this holds true of Garmin and other brands also:
deg.min/mm or /mmm means degrees.minutes.(decimal fraction of a minute in 2 or 3 places)
The way to find the minutes from the decimal is pretty straightforward. Just take the integer part (95) and that's the degrees. Take the fractional part (.467832) and multiply by 60.
In this case we get 20.06992 arc minutes.
That's as far as you need to go for deg.min/mm or /mmm it's just a case of rounding the decimal places to the number of m's.
95deg, 20.07min and 95deg, 20.070min for /mm and /mmm respectively.
To get the arc seconds, just do the same to the result of the above.
.070 * 60 = 4.1952
Rounding to nearest second is 4 seconds. (some recievers may display fractional seconds, but I haven't found one yet)
So in deg.min.sec it would be 95.20.04.
Having said all that, I like UTM or MGRS-3 best of all, but for Lat/Lon I use deg.min/mmm because it gives you locations to the thousanth of a degree rather than to a second (1/60 of a degree).
I apologize if this isn't completely clear, I haven't written anything in a while and I'm sure it shows. A good question going unanswered while psycho-ex and other crazy threads get all of the posts just seems wrong.
Later,
Jon