Hmmm... Let me give this a shot... out of boredom mostly. I'm not going for most attacks; I'm going for most penalties without outside combat modifiers...
Class: Human Bard10

Feats: Power Attack, Combat Expertise, Improved Combat Expertise [Complete Warior], Monkey Grip [Complete Warrior], and whatever else tickles your fancy.
Skills: Tumble 5
Okay...
Bab: 7
Str: 13 (Power Attack Pre-req)
Total To-Hit bonus: 8
Power Attack-Full (-7)
Combat Expertise-Full (-7)
Fight Defensively (-4)
Tower Shield Nonproficiency: (-10 and -2)
Half Plate Nonproficiency: (-7)
Nonproficiency: Maul [Complete Warrior] (-4 primary)
Monkey Grip: Large Maul (-2 primary)
Nonproficiency: Armor Spikes (-4 Off)
Large Armor Spikes (-2 Off, Makes it One Handed...)
Two Weapon Fighting w/o Feat and non-light weapon (-6/-10)
Full Attack: Large Maul -41/-46(2d8+15/x3) and Large Armor Spikes -45 (1d8+7/x2)
AC w/o Magic: 31 (+10 Base, +7 Half-Plate, +4 Shield, +7 Expertise, +3 Fight Defensively)
Anything I miss?