Normal human models ?

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Hello guys

Has anyone got any hint what would be the easiest way to "create" b3d animated humans from some game (Max Payne or whatewer).
I just would like them to walk around in a terrain or other place. (no commercial purposes, just for hobby)
I know that MilkShape (which I do have) can do it, but it's hard to get started, and I'm lazy :=)
And what game would have the most realistic and not too hard to handle human models.