My latest character design of a Turtle. It's sort of unfinished. I didn't add shading to the shell and could have spent more time on it. But for now, it is what it is.
I used the following hardware/software:
Sketchbook Pro 2010 (Pencil Rough)
Xara Design Pro 6 (Inking)
Photoshop CS3 (Coloring)
Here's a video of the process to create it.