I do have a solution, I can read the ADC, strip off 1 digit, multiply the ADC value by a constant needed for the resistor (voltage) divider, strip off 2 LSBs and format the result for the LCD.
Seems to be accurate down as low as 4.55 - didn't want to go any lower!
Posted the module's final code here:
Thanks for the wealth of info on this forum, as well as the responses.
Regards.

Code:
'Set for using PIC18F46K80
'Programmed using PicBasic Pro 3.0.7.4
'Environment MCSP 5.0.0.5

'Define configuration 
#CONFIG
        CONFIG  RETEN = ON      ;Ultra-low regulator ON
        CONFIG  FOSC = EC3      ;External HS oscillator, port function on RA6
        CONFIG INTOSCSEL = LOW	;LF-INTOSC in Low-power mode during Sleep
        CONFIG SOSCSEL = DIG	;Digital (SCLKI) mode
;FCMEM doesn't seem to work here.....
;        CONFIG  FCMEM = OFF     ;Fail Safe CLock Monitor is OFF
        CONFIG  IESO = OFF      ;Internal/External oscillator switchover is OFF
        CONFIG  PWRTEN = ON     ;Power Up timer is ON
        CONFIG  BOREN = OFF     ;Brown Out Reset is OFF - for now
        CONFIG  BORV = 0        ;Brown Out level is 4.6v
        CONFIG  WDTEN = OFF     ;Watchdog is OFF - for now
        CONFIG  MCLRE = ON      ;MCLR pin is ENABLED
        CONFIG  STVREN = ON     ;Stack FULL/UNDERFLOW reset is ENABLED
        CONFIG  BBSIZ = BB1K    ;Boot Block size - 1K?
        CONFIG  XINST = OFF     ;Extended Instructgion set is DISABLED
#ENDCONFIG

'---------------------------------------------------------------------------------------
'Define the oscillator and setup the INCLUDE files
	DEFINE	OSC	64						                '64 MHz oscillator, external  
    INCLUDE "DT_INTS-18.bas"                            'Base Interrupt System
    INCLUDE "ReEnterPBP-18.bas"                         'Include if using PBP interrupts

'---------------------------------------------------------------------------------------
'OKAY, Lets set up the registers.....
    OSCCON= %00001000                                    'Device enters SLEEP mode when SLEEP is executed
    OSCCON2= %00000000                                   'System clock comes from other osc than internal
    REFOCON.7=0                                        'Refrence oscillator is DISABLED
    WPUB= %00000000                                      'PORTB pullups DISABLED
    PADCFG1= %00000000                                   'ALL pull up resistors DISABLED on ports D,E
    ANCON0= %00000001                                     'Selects AN1-AN7 as DIGITAL, AN0 as ANALOG
    ANCON1= %00000000                                     'Selects remaining analog/digital inputs as DIGITAL
    ADCON0= %00000000                                    'Turns OFF ADC - REMEMBER TO TURN IT BACK ON AFTER DEBUG-, selects AD0 as input
    ADCON1= %10110000                                    'Vref is INTERNAL 4.1v and AVss
    ADCON2= %10010110                                    'RIGHT justified, 4 TAD A2D aq time select, Fosc/64 
    T0CON.7=0                                           'DISABLES TMR0
    CM1CON= %00000000                                    'Turns OFF CM1 comparator 
    CM2CON= %00000000                                    'Turns OFF CM2 comparator 
    CVRCON.7=0                                          'Comparator voltage ref is powered DOWN
    HLVDCON.4=0                                         'High Low Voltage Detect is DISABLED
    CCP1CON=%00000000                                   'Turns OFF capture, compare, pwm
    CCP2CON=%00000000                                   'Turns OFF capture, compare, pwm    
    CCP3CON=%00000000                                   'Turns OFF capture, compare, pwm
    CCP4CON=%00000000                                   'Turns OFF capture, compare, pwm
    CCP5CON=%00000000                                   'Turns OFF capture, compare, pwm
    CANCON=%00100000                                    'CAN disabled
    CTMUCONH.7=0                                        'CTMU disabled
    INTCON= %00000000                                    'INT0 and POIRTB change external interrupt is DISABLED
    INTCON2= %01111100                                  'PORTB pullups enabled by TRIS, int are RISING edge, TMR0 hi and rest low priority
    INTCON3.3=0                                         'Disables INT1 external interupt
    IOCB= %00000000                                     'PORTB interrupt on change all bits DISABLED
    SLRCON=%00000000                                    'Slew rate for all ports is STANDARD
    SSPCON1.5=0                                         'MSSP port is DISABLED
    ODCON=%00000000                                     'Open Drain capability is DISABLED
    PSTR1CON= %00000000
'    MDCON=%00000000                                    'Modulation Control is DISABLED
'---------------------------------------------------------------------------------------
'Direction registers
    TRISA = %10001011                                   'Set PORTA for bit7 is clk in, 2 led out, 1 temp in, 1 A/D in, ext Vref
    TRISB = %11001111                                   'PORTB is ICSP, 2 pins for LCD, low nibble for 4 button inputs 
    TRISC = %10001111                                   'Set RC7 (RX), rest are outputs, low 4 bits used as inputs for addressing 
    TRISD = %10000000                                   'Set PORTD for serial, 1 LED, 4 LCD data
    TRISE = %00001000                                   'Set PORTE for MCLR, low 3 bits for addressing - high order not used
'---------------------------------------------------------------------------------------- 
'Constants here
    sync        con $54
    Line1       CON 128                                 'Point to beginning of line 1 ($2) 
    Line2       CON 192                                 'Point to beginning of line 2 ($C0)
    Line3       con 148                                 'Point to beginning of line 3 ($94)   
    line4       con 212                                 'Point to beginning of line 4 ($D4)
    HystLevel   CON  7                                  ' 7 = .7 of the Least Significant Digit
                                                        '    Valid HystLevel is from 6 to 13
    AvgCount    CON  16                                 ' = Number of samples to average. For best response 
                                                        '    times, keep AvgCount as small as you can
    FAspread    CON  50                                 ' = Fast Average threshold +/-
                                                        '  FAspread should be larger than the worst possible
                                                        '  noise in the A/D conversion.

'----------------------------------------------------------------------------------------
'Additional I/O Definitions
    error           var PORTA.5                         'ERROR output, ACTIVE HIGH 
    heart           var PORTA.6                         'Heartbeat to know we are online - ACTIVE HIGH
    warn            var PORTD.4                         'WARNING output, ACTIVE HIGH 
    status1         var PORTC.4                         'STATUS output, ACTIVE HIGH 
    NCTS            Var PORTC.5                         'Goes high to xmit on COMMAND RS485
    SCTS            VAR PORTD.5                         'Goes high to xmit on STUB RS485
    PB1             var PORTB.3                         'Pushbutton1 (far left)
    PB2             var PORTB.2                         'Pushbutton2
    PB3             var PORTB.1                         'Pushbutton3
    PB4             var PORTB.0                         'Pushbutton4 (on far right)
    addr_dig1       var PORTE.0                         'LSB of address
    addr_dig2       var PORTE.1                         'Digit 2 of address
    addr_dig3       var PORTE.2                         'MSB of address
    DQ              Var PORTA.1                         'One-wire data pin 

'------------------------------------------------------------------------------------------
'Variable List
    i               var byte                            'Loop counter var
    j               var byte                            'Loop counter var
    Node_rxbyte     var byte                            'NODE serial receive byte
    Stub_rxbyte     var byte                            'STUB serial receive byte
    temperature     Var Word                            'Temperature storage
    count_remain    Var Byte                            'Count remaining
    count_per_c     Var Byte                            'Count per degree C 
    In_Count        VAR BYTE                            'Where we are in the 8 byte packet
    Buff            VAR BYTE[4]                         'Array for the data
    CMD_PORT        VAR Buff[0]                         '2nd byte (after sync byte ($54) contains the 4 bits for STATUS/ 4 bits for PORT
    BOARD           VAR Buff[1]                         'Board number on STUB network
    SUMCHK          VAR Buff[2]                         'Simple sumcheck to see if payload is good
    SyncRcvd        VAR BIT                             'Flag set when we get a proper sync byte
    PacketRcvd      VAR BIT                             'Flag set when we get a whole packet
    address         var word                            'Address variable
    bcd1            VAR BYTE                                'lsb of BCD address
    bcd10           var byte                                '10's of BCD address
    bcd100          var byte                                'MSB of BCD address
    ADCval          var word                            'Result of 12 bit ADC
    ADCavg          var word                            'Running ADC average
    k               var byte
    AVGchanged      VAR  BIT                            ' 1 indicates that the Average Value has changed
                                                        ' you have to clear this bit after using it
    ADavg           VAR  WORD                           ' Stores the current Average
    ADhyst          VAR  WORD                           ' Stores the current Value for Hysterisis
    Value           VAR  WORD                           ' Input / Output variable to be averaged
    spread           CON  FAspread * 10                 ' adjust spread *10 for Hyst.


'---------------------------------------------------------------------------------------------
'#########################################################################################################################
'#	We are going to start this Pig!
'#########################################################################################################################
init:                                                   
    heart=0                                             'Turns off HEARTBEAT led
    warn=0                                              'Turns off WARNING led
    error=0                                             'Turns off ERROR led
    status1=0                                           'Turns off STATUS1 led    
    heart=1 : warn=1 : error=1 : status1=1              'Turns ON leds
    pause 20                                            'Hold here for a bit while things IPL......
    gosub initlcd                                       'Initializes the lcd
    pause 2000                                          'Display for a while
    heart=0 : warn=0 : error=0 : status1=0              'Turns OFF leds
'#########################################################################################################################
'# 	We go around the rest of the subroutines
'#########################################################################################################################
Initialize:
        heart=0                                         'Turns off HEARTBEAT led
        warn=0                                          'Turns off WARNING led
        error=0                                         'Turns off ERROR led
        status1=0                                       'Turns off STATUS1 led    
        ncts=0                                          'NODE network 485 in receive mode
        scts=0                                          'STUB network 485 in receive mode
        temperature=0                                   'Zeros var
        bcd1=0 : bcd10=0 : bcd100=0                     'Zeros the address vars
        gosub chirp                                     'Flashed ERROR before we start
        goto startmain	    				            'Jumps around subroutines
'#########################################################################################################################
'#	Subroutines
'#########################################################################################################################

initlcd:lcdout	$fe,1          	     	                'Inits the lcd
		return

get_addr:       
'Get the address and perform functions to get the digit data
'this is code for the use of rotary hex switches - 3 of them
    addr_dig1=0 : addr_dig2=0 : addr_dig3=0             'Set all commons LOW
    status1=1                                           'Turns ON the StATUS1 led
    addr_dig1=1                                         'Set LSB HIGH in order to read
    bcd1=PORTC & $0F                                    'Reads port and strips off high nibble, puts in bcd1
    pause 5
    addr_dig1=0                                         'Resets digit 1 common
    pause 5
    addr_dig2=1                                         'Sets digit 2 common
    bcd10=PORTC & $0F                                   'Reads port and strips off high nibble, puts in bcd10
    pause 5
    addr_dig2=0                                         'Resets digit 2 common
    pause 5
    addr_dig3=1                                         'Sets digit 3 common
    bcd100=PORTC & $0F                                  'Reads port and strips off high nibble, puts in bcd100
    pause 5
    addr_dig3=0                                         'Resets digit 3 common
    address=(bcd100*100)+(bcd10*10)+bcd1                'Builds the address from the 3 digits
    status1=0                                           'Turns OFF STATUS2 led
    return

h2d:    ' Convert Hex coded data -> decimal data
        	K = (K & $F )+((K>>4)*10)
        	Return
d2h:  ' Convert Decimal -> Hex coded data
       		K = (K DIG 1) * $10 + (K DIG 0)
        	Return   
                  
chirp:  for i=1 to 3
        high error
        pause 50
        low error
        pause 50
        next i
        return

get_temp:                                               'Gets temperature from DS1820, puts in degrees F
        OWOut DQ, 1, [$CC, $44]                         'Start temperature conversion
        pause 1000
        OWIn DQ, 4, [count_remain]                      'Check for still busy converting
        If count_remain = 0 Then 
            OWOut DQ, 1, [$CC, $BE]                     'Read the temperature
            OWIn DQ, 0, [temperature.LOWBYTE, temperature.HIGHBYTE, Skip 4, count_remain, count_per_c]
        endif
        temperature = (temperature */ 461) + 3200
        return

Volt:   
        ADCON0=%00000011                                'Select channel AN0, and start sampling then after 4 TADs - convert
        while ADCON0.1 = 1 :wend                        'Wait for ADC DONE
        ADCval.highbyte = ADRESH                        'Move HIGH byte of result to adcVAL
        ADCval.lowbyte = ADRESL                         'Move LOW byte of result to adcVAL
        value=ADCval
        gosub average
        ADCavg=value
'Here we 'normalize' the ADC reading to real-world voltage
        ADCavg=ADCavg/10                                'Leaves us with 3 digits
        ADCavg=ADCavg*155                               'Our normalizing junk-yard constant
        ADCavg=ADCavg/100                               'Leaves us with 3 digits
        return

Average:'Thanks Darrel...via PBP forum.
        Value = Value * 10                              ' Scale value up for hysterisis
        IF Value = ADavg Then NoChange                  ' if they're the same, nothing to do 
        IF ABS (Value - ADavg) > spread OR Value < AvgCount Then FastAvg
        IF ABS (Value - ADavg) < AvgCount Then RealClose
        ADavg = ADavg - (ADavg/AvgCount)                ' Subtract 1 samples worth
        ADavg = ADavg + (Value/AvgCount)                ' Add in the new sample portion 
        GoTo AVGok
    FastAvg:                                            ' Catch up to the changing value
        ADavg = Value                                   ' Set Average to the current value
        GoTo AVGok
    RealClose:                                          ' Reduce the sample size when
        ADavg = ADavg - (ADavg/(AvgCount/4))            ' the average and the sample are
        ADavg = ADavg + (Value/(AvgCount/4))            ' "Real Close"
    AVGok:
        IF ABS (ADavg - ADhyst) > HystLevel then        ' If it changed > HystLevel +/-
            ADhyst = ((ADavg + 5) / 10) * 10            ' Round ADavg to get new Value
            AVGchanged = 1                              ' Indicate that Average changed
        ENDIF   
        NoChange:
        Value = ADhyst / 10                             ' Scale the result down
        Return


'#########################################################################################################################
'#	Startmain - where the MAGIC starts!
'#########################################################################################################################
startmain:
    gosub initlcd                                       'Initializes the lcd
    gosub get_addr                                      'Gets board address
    gosub get_temp                                      'Gets temp from DS18S20 - not quite working
    gosub volt                                          'Gets the +5 volt rail voltage
    pause 200
    lcdout $FE,1
    lcdout $FE,line1," CLUSTER CONTROLLER "             'Display who we are
    lcdout $FE,line2,"SMODE address= ",dec3 address,"  "'Display our address
    lcdout $FE,line3,"5 volt= ", DEC ADCavg/100,".",DEC2 ADCavg//100 'Display +5 volt rail
    lcdout $FE,line4,DEC (temperature / 100), ".", DEC2 temperature, " F            " 'Display our temp
    pause 2000                                          'Display for a while
    goto startmain