Here we go again
Here is an example :
1) make your model in AC3D
2) export your model as a 3ds file
3) import the 3ds file into Fragmotion
In Fragmotion :
1) built the skeleton
2) attach the model vertices to the skeleton
3) create an animation
4) export the model + animation as a DBO file
Of course, if you choose not to use Fragmotion, import / export file formats may vary.
Also I think that DBpro supports X / MDL / MD2 files ... see if they are suitable for animation.