as i always understood the handgun law , it says you have to be 21 or over to buy one or ammo for one. it doesn't say you have to be 21 or over to use one or be given one or carry one (legally , as in not concealed ) .
rparsons934 , i'd make sure you get it in writing from your sheriff . what he says is legal in his county , can be throne out by the sheriff or judge in another . all laws are unfortunetly subject to the individual interpitation of those who inforce them or rule on them . i'd have to seriously doubt you can have that handgun transfered into your name before your 21 , i'll bet the ATF would have someones head for doing it . good luck