Oh noooo!! Kster, I'm so sorry, that super bites!
The good thing is that everyone thinks they're an amateur photographer lately- I'll bet that if you sent out a couple emails to your friends, you could A) find someone who takes pretty decent pictures and would take pics for discount, B) find a BUNCH of friends who have their own digital cameras who wouldn't mind snapping a few throughout the night!
Plus, if you have a couple friends snapping pics on their own cameras, you'll probably end up with neat pics- every pic will have a little different style than the next, you know? That would make for a really cool wedding album!
(Or, if you can get FH to agree- and he has the bucks- loan some cash money to your original photographer to replace/ rent a camera for the day!)
Good luck good luck good luck! I hope it works out!!