I found a fantastic color scheme program, it's called GenoPal. The price is extremely reasonable for what this program can do- $25. It can even work as a plugin to Photoshop, but I didn't like the way it worked as a plugin. They're coming out with a new version very soon which can do even more.
You can get it here: http://www.genopal.com/
- there is a free trial and an on-line version.
You could also try Adobe Lab's Kuler - http://kuler.adobe.com/
- all on-line and free.
I also find ColourLovers to be pretty good: http://www.colourlovers.com/