This thread might help you.

http://market.renderosity.com/mod/forumpro/showthread.php?thread_id=2660658

Lots of people use Merchant Resources and many take their own photographs of models.

Here is a thread that has some links to free resource kits for skin textures.

http://www.renderosity.com/mod/forumpro/showthread.php?message_id=3181494

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi