Jen,
I live in La Ceiba, Honduras and can ask some friends who is the best (no Ripoff) dive guy in Roatan. I have been there and my exboss owns Jolly Roger Tours but I think I'll ask some others. I have a good friend on Utila but actually the diving is better off Roatan.
Let me know if you want me to check!
We went diving with Louis and Linda in Cozumel, a great personalized service, really recommendable. It was absolutely not one of the so typical commercial diving trips of the island, just a small group, fast boat and exceptional dive master...
a great resource is your local dive shop, stop in and ask for a recommendation. IF thats not an option then i would personally stick with a ships sponsored dive excursion to be on the safe side