i wish i had the skill required to make a penguin avatar myself but i shall instead ask the professionals.

i would like the penguin to be dressed as a kitten with a collar that reads "eco's"

please and thank you  

You can use those tutorials to make it yourself .
You can make it as you want.
http://forum.crystalxp.net/index.php?showforum=28

These are the tutorials available

UMM...... That was quite helpful, thanks for all your suggestions....  

Welcome to CrXP ScriptKiddie , you can refer to this tutorial for making the tux and for making a t-shirt , refer to this tutorial