I watched the video that FastBikerBoy suggested. It was very helpful. Who knew that the instrument definitions that I have been combing the internet for were so easily accessible right thru the importing of instrument files within Sonar X3!
I then searched my project, and it is possible that I had another MIDI track set to the same output. I think it was conflicting with the MIDI track I was working with. When I got rid of this other MIDI track, which I wasn't using anyway, my problem has gone away. So thank you for this advice.
I must say that hitting "input echo" has no effect on what I hear. I find it is usually in the off position, but even when I click it on, I hear the same thing. In other words, whether it is on or off, I still hear my instruments. However, as I have said, my problem is solved---so thanks again.
LNovik