From my expirience and some researching, the T100 optical stabilizer is not as good as the Lumix. From ur situation there, the T100 automatically creates a slow shutter to gathers as much lights (maybe 1 to 3 sec) before it snaps, and the photo is BLURRRR.
IMO there are 3 ways to solve this:
1) Practice, practice, practice to stabelize ur arms.
2) Set the ISO manually, up to 400, if over 400 than the photo will be full of ants (aka grain noise aka unviewable aka unprintable  )
3) Please use tripod.
I hope this'll help.