does anyone know if there is a good virtual harmonica sample out there
cheers phill

Aside from the ones in some of the synths.....like TTS .... ???
 
If you have Kontakt, from Native Instruments, there are lots of folks making and selling samples for this synth. A google search turned up a few in the search results.  Some are listed as free downloads.
 
Also, Band in A Box has really nice sampled harmonica but..... it's pricy and you can not exactly control what it's going to play. So, if you have a specific riff in mind, that won't work.

thanks guitar hacker  ive got kontakt
  checking them out now
 looked at your site  .. i am an old jazzer, but 
 i might be a country  boy at heart..good stuff
  phill    london uk

Ok this isn't what you asked for but it's an alternative....I picked up a set of harmonicas in all the major keys for less than 50.00...just sayin'

I've heard it said that the harmonica is one of the easiest instruments to learn...... uhhhh yeah.... really?
 
I got one and it takes as much time and practice as just about any other instrument that you might wish to learn to play at more than the rudimentary, basic level.

I've heard it said that the harmonica is one of the easiest instruments to learn...... uhhhh yeah.... really?

 
I thought the same thing Herb.    I've got a couple that I bought, thinking, this should be easy.  It took quite a bit of practice to lay down a pretty simple harmonica intro and solo.  I got pretty fair results once I got the parts down. 

Same here....I am having a little trouble with the Irish whistle though. So far my progress on that is I blow it and I get sound.