Thanks for getting my mind pointed in the right direction. I changed the code to look like this and it works great:
$st = $_POST['states'];
$clubcount = 0;
foreach ($st as $area) {
$sql = "SELECT c.cnumber, c.cname, c.owner, c.website, h.fname, h.lname, h.street1, h.city, h.state, h.zip, h.email, h.phone, h.conphone, h.conemail, h.conmail FROM clubs c JOIN handler h ON h.hnumber = c.owner WHERE h.state = $area && c.payment = 'processed'";
$clubresult = mysql_query($sql);
echo $statelist[$area]."<br>";
while($club = mysql_fetch_assoc($clubresult)) {
echo $club['cname']."<br>";
$clubcount++;
}
}