The short answer is, I'd go with PHP.
I have some experience in all two of your three choices: PHP, Ruby with Ruby on Rails. If I had no experience however and I was looking to set out and create a web service that largely just interacts with a database and I wanted it done this weekend, I'd choose PHP. If I had no experience with any of the above languages and I wanted to project done in a couple of weeks, I'd choose rails. I personally have much less experience with with Python and Django so I can't really comment.
Ruby with Ruby on Rails: I've been working with Ruby and ruby on rails for several years now. I previously had experience in Java (which is roughly analogous to your experience in .Net). I found the transition to rails to be a little bit bumpy. I wanted to jump right in and start understanding how rails works and how to build a web application but with no understanding of ruby this was difficult. There are a lot of example out there that will help you build an application quickly but often times the quickness comes at the expense of understanding. To build solid rails web application you need a good understanding of ruby and of the rails frameworks. Rails is fantastic, but for building something you understand and getting it up and running quickly it may not be your best choice. Also, rails hosting has come a long way (you can tell because we're starting to see many hosts offer it) but there are still some bumps.
PHP: PHP is fantastic for getting something up and running quickly. You can upload files and immediately see if your result if working. If you keep your database setup clean (and it sounds like you will, because you work with databases all day) the PHP shouldn't be too bad. I would look into an Object Relational Mapper to help keep your PHP even cleaner, I've heard good thinks about Doctorine.
Python: I would imagine that you'd probably use Django with Python. Because of this you're probably going to come up against the same stumbling blocks that you would with ruby + ruby on rails.
If you'd like to start to learn Ruby on Rails, I'd recommend checking out this thread on stackoverflow.
Finally, if you'd like to work with a PHP framework, there's a great thread on that here on stackoverflow.