If you want to try your hand at figure modeling, there's a great tut for doing that here.
http://www.3dtotal.com/ffa/tutorials...c/joanmenu.asp
It's kinda one of those cartoonish type characters, but still it walks you through step by step. It's pretty much geared toward using 3D Max and AC3D doesn't have the features that Max does, but you can do work-a-rounds to achieve the same results.
Here's a progress photo of the one I'm currently working on.
As an added note, I just learned that if you create your model using quads instead of triangles, you'll have much better results when you go to subdivide and smooth.