Character creation and development is a long and detailed process, but generally, one does not need to have a character fully developed before one plays. A few ideas, characteristics, or thoughts on what the character will be like is generally good enough to start. For instance, you could begin with the fact that your character tends to be grumpy, taciturn, but has a soft spot for children. Perhaps your character is cheerful, and always smiles, always laughs, and plays pranks.

From there, roleplaying with other players or through sessions with the staff can help develop a character. Add in a few little quirks, perhaps some inconsistancies, generally try to make your character as realistic as possible. A good way of starting with a character is modeling them off a person that you know well in real life, and then adapting them to fit in the world you are in.

Another part of character development is the history. Knowing where your character came from and why s/he likes or dislikes something can aid greatly in roleplay. Realism is furthered by knowing why someone loves or hates something, such as a dislike of a certain mushroom, or a fear of heights. Again, the history can be developed as one goes along, but it's best to keep a copy of facts to make sure you do not contradict yourself.

A few questions to consider when creating a character might be:
What are your character's likes? Dislikes?
Why are you an adventurer?
How did you get started adventuring?
How did you learn your class trade (warrior, mage, etc.)?
Do you have a favorite spell/weapon/skill? Why is that your favorite?
What is your character's view on morals (good, neutral, evil)?
Name a few personality that fit your character. (Such as: annoying, secretive, gruff, solemn, serious, cheerful, etc.)

Answering some of the above questions might give you an idea of your character and where you want to go with him/her.