http://www.dookyweb.com/index.php?seccion=avatars
Design yourself with all of the features and accessories to your liking. Hit your Print Screen button on your keyboard, open Paint or (preferably) Photoshop. Paste it into the program. Crop your avatar, and customize as you wish.
This is mine:
It says "Ocean Soul"
and this is moonstrucksoul's that I did for him:
Have fun!