I've created an avatar at SitePal.com. It has audio capability and I could record my voice. If I paid the monthly fee, I could also copy and paste the html code and host my avatar on my own site. But, this paid service will have to wait until it fits in the budget- as of now- it's definitely out!
Here's my welcome message to Chrissan which I create a day prior to our online discussion. It is available at http://tinyurl.com/5xwll
I'll be creating another message for Teresa and her 6th grades for giving me the inspiration to create my own avatar in SitePal.
OK, after 5 minutes, here's the url http://tinyurl.com/4sup8