I know just what you mean. I have panic disorder and this summer was the worst. I was off antidepressants for a year then went on Prozac again b/c symptoms started coming back. And let me tell you, I had a BAD reaction to the Prozac. I was off work for 2mths, panicking and crying, afraid to be alone, fearing death, and I thought I was going to stop breathing and die at night.
Now I'm on Zoloft and I'm doing much better, but everyonce and a while I still get that fear I'm not going to wake up in the morning. Outside of popping a xanax, one thing that eventually helps me is closing my eyes, trying to sleep, and instead of thinking of the worst I pray so hard to God to help me and to keep me breathing, etc. I basically pray myself to sleep and it actually helps. I'm not that religious, but praying like that really helps.
I would basically say strong prayer, if you have a boy/girlfriend have them spend the night with you, and also talk to your doctor and see if you need your Prozac to upped or if you should maybe try something else.
I know it's terrifying, but eventually it will calm down and you'll be able to have some peaceful sleeps. Good luck!