Well, there's ParaChat, and it's free, located here:
http://www.parachat.com/basic/get-yours.htmlThe down side it that common names normally can't be used, but numbers will be added after it (i.e. instead of Melissa, it would change to Melissa8907, etc.) However, it's free, with no download required, and works just like AIM, except in your browser.
The more common IRC chat to use is mIRC, found here:
http://www.mirc.com/However, you have to download a program, and it only provides a 30 day trial before you have to pay $20 or so. I've found this is more used on sites that have been around at least a year - it would certainly not be good to pay all that money and then have your site go dead!
These are the only two that I know of, but you can go
here for other free IRCs.
Hope this helps!
((Just a side note, you have to have java for these to work - you can get it
here.