I'd agree with the other posters to a certain extent about not creating your own logo. The tendency is to create a logo that *you* like, and there's nothing wrong with that, but you're not the intended audience!
The purpose of the logo is to project an image of your company - just because you personally like a logo doesn't mean it's going to send the right message. For example, you might design a cool and funky logo: that might be great for a record label but if the business is a bank then customers might want to think of your business as dependable and reliable.
A good graphic designer, or someone with branding skills can help you with this sort of thing. They'll also make sure it's going to be easily reproducible in print, online etc. However, they don't come cheap and if you're a small startup then maybe you can't afford them. In which case, why not just choose a nice looking font and use that as your logo until such time as you can afford some professional help?
Of course, its your business. If you want to design your logo, go ahead! I'd be looking at something like InkScape in your position.
