As a female guest -- what do I wear to a wedding at the Holy Trinity
Catholic Church at 3 o'clock in the middle of November?  A reception
at The St. Regis Hotel follows the ceremony.  The bridesmaids are
wearing their favorite black dress.  Help!

You might want to look at this previous answer:
http://answers.google.com/answers/threadview?id=576083

If the wedding is going to be a day into evening event you might
consider wearing an outfit that can transition, e.g. a velvet dress
with a simple wrap or dressy cardigan for day and then remove the wrap
or sweater for evening.  The same thing can be done with a suit
whether using a suit composed of a dress and a jacket or a simply
putting a dressier shirt underneath the jacket of a regular suit.