I have to disagree with virtually everyone. Cha is always better than Con for a Paladin, from 2nd level on. Why? Because of the lay on hands divine grace abilities. Lay on hands gives the same hit point bonus as Con, except that (a) you don't have it until you lose some hit points, and (b) you can share it with others if necessary. And divine grace means that your Cha gives you the same bonus to Fort saves as Con. So the only real disadvantage to Cha instead of Con is in your Concentration skill score ... Now, with that point buy distribution, you do get four points of Con while dropping only two from Cha, but in the long run you'll be better off. Maybe the 12 Con and 15 Cha, bumping to 16 at 4th level would be OK ...