I really like this tutorial. Short, sweet, to the point, and it has plenty of good pointers as to how one goes about making a character.
I'd just like to add that the personality doesn't always have to match the physical apearance of the character. I once met a character who was an oversized, muscular, dark-looking female who was a vegan because she didn't like to hurt anything or anyone. xD
Great job, this should be very helpful to someone just starting out!