There is www.CoolArchive.com and www.FlamingText.com that I know of off hand. A friend of school was using www.GraffitiCreator.net - seems good, too.
How do so many people own Photoshop? I would love to have it but it's freakin expensive (well, to me!). Am I poorer than I thought? Is there somewhere to buy it cheap? Or are a lot of people just pirating it? I don't want to steal.
Free Logo templates so you can design a custom one: http://www.interspire.com/templates/ plus other free templates for website and newsletters
having no logo is better than having a cheap template logo imo. Just use some nice text and your site will look more professional than if you have some cheap random array of dots
You should check out http://www.graphicwebs.com if you want to text based logos. It's really neat. I use it myself when I want some quick logos, like for my site. Or use http://creatr.cc/creatr/ for some really good web 2.0 logo generators.