I have been an organist/pianist music director for my church for 35 years. I get a modest salary for playing most of the services. I work about 15-20 hrs. per week. I direct an adult choir and pretty much handle special events too.
The key to playing for a congregation is to LEAD, not follow. I am a melody and chord person. I try to play the songs and hymns in phrases; keep good tempo and don't let the people slow you down. I started upstairs in a large basilica style church with a 3/4 second delay. My mentor forced me to play as the leader, otherwise the delay alone would slow me down.
You need to know and feel the music. Don't be afraid to substitute chords or arrangements that are more appropriate to your style. Don't try to play things that are out of your league; do the best with what you have and can do.
Playing in church is so rewarding; you'll love it. You will learn to transpose and substitute notes/chords like crazy. It is a fantastic learning experience.
[This message has been edited by cassp (edited 04-30-2007).]