Attached Link: http://www.spaceports.com/~helend/Textures/

At "Strike a Pose" (link above) you will find lots of good textures which work for Poser 3 and a link to "All Morph" woman which has a built in skirt.

I have also bought a CD from Poserworld (CD1) which has some good Poser 3 clothes and only costs $10!