there may be hacks to use regular USB webcams with iChat, but officially I believe you need something that connects to a firewire port meaning either a digital camcorder (expensive, but not bad if you've already got one) or an iSight (not all that expensive, depending on your definition)
(FYI - the reason behind this is, I believe, and bandwidth issue - the cheapo-web cams can't capture and transmit enough of the info over USB to work/look good in iChat)