I have been told it takes around 12mp to equal a 35mm with iso 200 film. Those cameras are still way too expensive for me.
The closest camera that meets your spec is the Canon EOS-1Ds with its 11.1 megapixel sensor. Mind you, the price of the camera body alone is a frightening US$6,000 from the cheapest online retailer.
Theoretically, that may be true, but practically a 3 megapixel surpasses the quality you get from the typical consumer camera. The problem is, unless you are using a tripod and are extremely careful not to vibrate the camera when you take the picture, you are not taking advantage of the full resolution of the 35mm camera and you could easily get the same quality with a 3 megapixel. The biggest problem with digital cameras is they are not as good in low light level situations.