HELP! Using PHP to create dynamic category descriptions

Hi,

Background: I really need some help. I have been searching and searching for a couple weeks trying to find a way to create dynamic category descriptions. I have some understanding of PHP. Probably a 3-4 out of 10. I use the Thesis theme mostly and am comfortable creating new fuctions. I have many categories set up as Parent/Child. Many of them are set up as State/City for a local directory

Goal: To create dynamic category descriptions to store as the meta description as well as a paragraph at the top of the category page/archive. I have searched and maybe missing something simple. It would be great to have the parent category and child category store as variables so I can call and echo them in a paragraph at the top of the category page/archive.
i.e.
Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor located in $state in the city of $city1 incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo. Other regions in $state are $city2, $city3 and $city4.

Any and all help would be more then greatly appreciated!
Thank you in advance.