Try calling AT&T and explaining what you are trying to accomplish and that you aren't planning to leave AT&T, simply be able to use a local SIM card in the islands. Unless you are a brand-new customer at the beginning of a new contract they are likely to give you the unlock code for your phone at no charge. You may have to work up through some management layers to get the desired answer.
That approach worked for me on my Motorola Razr V3. I haven't tried it on my iPhone yet -- I still carry the Razr as my local phone.
sail fast and eat well, dave
beware "cut and paste" sailors.
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