Kay, so. First thing's first; is this anatomically correct, so far? I'm not sure if the torso's too long or not. :/
I'm not very good at art in general, so I figured I'd start with the figure, then add clothes later.
Chest is a teeny bit square and I think you need to put more curve in the torso. I think that's it so far, fix that and I'll probably be able to help more.
The shoulders might look better if they were a couple pixels higher up.
Here's a small edit, some details changed a bit:
Rounded the chest and curved the torso a little more.
edit; thanks, neslug. i'll take it into consideration on my next edit.
Looks better.
The hips might be a very, very small bit too wide, try compressing them by 1 or 2 pixels.
The curve is in the incorrect spot in the torso though, move the curve lower instead of so close to the chest.
Bring the hips in a few pixels. Otherwise, its fine.
Better?
Looking a lot smoother now, but now the hips look kinda blocky.
blargh. x[ it'll probably look better coloured/shaded. which i suck at, so. |D
i'm also dreading adding a face and hair.