Same thing happened to me, only I had my tv on. I could hear the show, I knew what was going on in the show. Then I heard some voice speak giberish right in my ear, I could even feel the breath of the voice. To go a step further, I felt an icy hand grab my wrist right after I heard the voice. Very freaky, I jumped out of bed as soon as I could move. The voice was a womans voice and the hand was small like a womans or childs hand. This has happened to me many times. Sometimes it is extreme, but most of the time it is just a voice whispering in my ear. Sometimes at voice level which really makes me jump. Just closing your eyes for a second then hearing a loud voice in your ear, whoo!!
Bottom line it is sleep paralysis.
"Sleep paralysis, as it turns out, is a natural state of the body. When were in deeper states of sleep, our brain stems engage in processes that block out certain neurotransmitters in order to stop us from physically acting out our dreams. Sometimes people wake up before their brains have completely de-activated the induced paralysis, and experience hallucinations which are thought to be either vestigial dream fragments or attempts by the brain to reconcile the waking state with the otherwise unexplainable muscular paralysis."
http://www.sevenoaksmag.com/features/57_feat1.html[/URL]