Weddingbee boards

Summermom, have you tried calling the photographers you liked and asked if they have assistants who might be willing to take your wedding on at a reduced fee?  You could also try putting a flier up in the local university's photography department to see if any photography students might be interested in photographing your wedding.

Not to shoot down your idea, but I think you might find that the disposable camera option isn't really a money-saver -- you have to pay to have them developed, and most of the photos you get from them aren't very good quality, especially if the photos are taken indoors.  A friend of mine did the disposable camera thing, and was happy her guests had fun snapping pictures, but most of them didn't turn out at all -- she said the whole thing was a big waste of money. You might have better luck at an outdoor wedding though.