I'd like to write music, but don't play an instrument. Is there any
reasonably priced and easy-to-use  equipment that will let me hum(?)
into a microphone, which then converts my human voice into the sound
of an instrument,
like a piano? My goal is for the "piano" track to then ultimately 
back up my voice as I sing, thus allowing me to submit my songs to
music publishers etc.

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Request for Question Clarification by pinkfreud-ga on 25 Sep 2006 14:47 PDT

How about this?

"e-Xpressor MIDI Voicer
The program converts voice into timbres of any MIDI instruments,
creates original ring tones for mobile phones, creates musical pieces
by ear, recognizes notes of the vocal melody. A live or recorded
performance is converted to MIDI in real-time. MIDI Voicer is a
veritable musical instrument containing a great selection of musical
timbres. For instance, when singing a tune into a microphone you can
simultaneously hear it blown by the trumpet or the sax, performed by
the electric guitar or even beaten by drums! MIDI Voicer recognizes
and then plays back all the nuances of voice motion, all the mistakes
and false notes. All those facts make the program extremely useful for
vocal education. You can also convert melody from an audio file."

http://www.download2you.com/details_page.asp?titleID=755