If you want a poser style app, look at Daz Studio, www.daz3d.com
Depending on the character you want, you'll probably have to purchase a model, (software is free, models aren't* well some of them are, have a look in the free section) If I ever do a War game, My first port of call will be Daz3D as they've got some cool soldiers in there. (I'm all for buying generic content if it fits the game)

Good luck with your animations.. I've not done 16x16 animation since my Spectrum days. Anyone who can get convincing pixel animation get's Kudos from me

Also, remember, if your character is a black silhouette, you only need half of the frames needed for a full colour animation as you can't tell the difference between left and right arms & legs