It is a rare thing to find a fully animated character going for free. Think about it. You spend a relatively long time modelling something, you make the effort to rig it, you key frame some animations, all for someone you have never met to use with no credit given to you.
However, this thread has a long list of many websites that contain free models textures and more besides. Maybe you'll be lucky. Click
here I also suggest doing a search for 3d models in google, and this forum.
Male modelling isn't just for gays! In fact, if 3DS Max was free, everyone would do it.