unfortunately macro lenses are EXPENSIVE, sorry, i will only be using nikon for examples because i am much more familiar with them then other brands.
but a nikon macro lens is around 900 bucks
you would be better with something like a medium wide angle moderate zoom
and get a macro adapter for the end of the lens (yes i realize it degrades quality, but i would rather it then 900 bucks)
and then snag a d40 on top of that.
even an entry level DSLR is going to give you much more control and better results then a high end fixed lens camera, keep your eye out at local camera shops for a used SLR is there is a significant price drop as well.
I purchased a Nikkor 1972 55mm 3.5 AiS Lense from KEH Cameras that was rated at "bargain" quality for only $70. In the bargain description, it said there could be dings or scratches in the lens. When I recieved it, it was pristine except for one minor dent that I could barley see.
But really, this is a great camera broker. http://www.keh.com/onlinestore/home.aspx
They have great deals on used gear that is just great!