I really should go on bugguide.net and look this little guy up, but my computer has an issue and keeps freezing up anytime I want to do something important. So I'm going to go out on a limb here and say this fellow is a type of fly that is pretending to look like a bee for it's own self preservation.
Pretty smart if you ask me!
Update! I checked with buggide and it is a Syrphid Fly! This website is awesome and the folks there are quick...I got an answer in less than 3 minutes!