Here's one I made earlier...
This is completely legit IF the DM allows the crafting of items before play starts. It's made using 32 point buy and FULL starting cash.
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Malek Irontongue
Dwarven Male Fighter (1)
STR: 18 : DEX: 12 : CON: 16 : INT: 14 : WIS: 8 : CHA: 4
APPEARANCE: Height: 4'2"; Weight: 165lbs.; Age 58; Hair: Red; Eyes: Blue-grey.
ALIGNMENT: Lawful Neutral : INITIATIVE: +1 (+1 Dex) : HIT POINTS: 13 :
ARMOUR CLASS: +9 (+1 Dex, +6 Banded Mail, +2 Large Steel Shield) :
SAVING THROWS: Fortitude: +5; Reflex: +1; Will: -1.
ATTACKS: Waraxe (MW): +7, 1d10+4, 20/x3.
Heavy Crossbow: +3, 1d10, 19-20/x2.
FEATS: Exotic Weapon Proficiency (waraxe), Weapon Focus (waraxe).
SKILLS: Craft (armoursmith) +8, Craft (weaponsmith) +8, Profession (smith) +5, Search +6 (+8).
SPECIAL: +1 racial bonus to attack rolls against orcs and goblinoids; +3 on Fortitude saves against poisons; +3 on Will saves against spells and spell-like abilities; +4 dodge bonus against giants; Darkvision, 90-ft.; Light-sensitivity: -1 circumstance penalty to attack rolls in bright sunlight or within the radius of a daylight spell; Stonecunning.
EQUIPMENT: 3 bolts (MW, 5gp), Banded Mail (83gp), Heavy Crossbow (17gp), Large Steel Shield (7gp), Smiths Tools (MW, 18gp), Waraxe (MW, 110gp).
HISTORY: Malek was the son of a great dwarven fighter who fought against the derro of Elezanthur, the city that dwells in the mountains just a days travel away from Ugrek, his home city.
Having been great friends with Karl Grelstadt, a renowned dwarven fighter-smith, it was no surprise that Malek become the foster-son of Karl when his father and mother were slaughtered in a retributive strike by the derro.
Malek took to smithing like a vengeful spirit attacking its killers, focusing all his rage and grief into his craft. Before long, he was a skilled steel worker and won much acclaim from his peers.
Despite his love for metalworking and his obvious talent, he still grieves the loss of his parents and wishes to learn the ways of the warrior in order to avenge them. He is a quiet, unassuming man who is deeply respectful of his mentor and foster father and who loves his foster-mother dearly.
The one conflict he has is his sense of responsibility to Karl to keep on as a smith and his desire to become a fighter. Currently, he is on leave from his duties to Karl and is exploring his options as an adventurer, hoping to gain treasure, influence and power in order to avenge his parents deaths.
PERSONALITY: Malek is a dutiful and very controlled person who rarely lets his emotions show. In fact, he is quickly developing a reputation for being colder than the mountain stone. If he speaks it's only if he is replying to an elder, or someone he respects, or if it is to chastise those who he feels are beneath him. He is exceptionally racist, feeling that even mountain dwarves have lost the "true way" and that humans are far to short-lived to appreciate anything in depth and are therefore shallow and not worth knowing. He has never met any elves except the drow and therefore holds a severe grudge against all elves, not really making much of an effort to discern the difference between drow and other elves. Halflings are also something he has not experienced however he would most likely dislike their capricious and disrespectful natures.
Having said that, he is deeply respectful of those who earn his trust and respect. Someone would have to do more than just save his life to do that, however, as that is something that he would expect of any person in a position to do so. He never expects anything more from anyone else than what he is willing to give and despite his racist tendancies, he would not abandon a helpless elf to the whims of orcs. But he would also not go out of his way to bring the elf back to safety.