I was wondering, has anyone changed their fuel pump themselves. How hard is it, and do you have to drop the fuel tank to do so.

no need to drop tank, there is openning in trunk floor to access fuel pump.
there are two openning one on left is for fuel pump, one on right for fuel level sending unit.

http://www.hondaautomotiveparts.com/catimgs/13SV40_D09.gif (http://www.hondaautomotiveparts.com/auto/jsp/mws/prddisplay.jsp?inputstate=5&catcgry1=Accord&catcgry2=1994&catcgry3=4DR+DX&catcgry4=KA4AT&catcgry5=FUEL+TANK+%281%29)
click on picture for descriptions and pricing.

I changed my fuel pump (90 accord) and I had to drop the tank. the whole process was simple though.

guess what, you didn't need to drop it.