The decision on buying the type of digital cam depends on your purpose or what you want to achieve with your photos. You mentioned a semi-professional camera, I assume you want a creative shots. I would suggest an olympus camedia, which is the one I have, it's only 5 megapixels (C-5050 model). It's a semi-professional, the colors are bright and clear, looks like a shot from a slide film. It has a manual mode - gives you control on the setting you want with your shots. Mine is already an old model, I think the latest model they have is 8 or 10 megapixel. This camera is good for hobbyist.
But if you want to go pro, it's a good to invest on DSLR...I'm targeting to have Nikon D80.