Twitter: Thumbs Up or Thumbs Down? Mark Frauenfelder (up!) and Seth Godin (down!) weigh in.

To the Twitter holdouts: You're not alone. Only one in five small-business owners actively uses social media, reveals a recent survey by the University of Maryland's Smith School of Business. And although Twitter is growing, the pace is slowing.

So should you sign on or stay off? Here's what two experts have to say about tweeting and business.