But how do I do that excactly.? Any suggestions.?
You'll have to use a graphics editor and the selection tool to select what you want, then you can copy and paste that portion into another file. There are many free graphic editors to choose from, including
Gimp,
Paint.NET and so on. Personally, I use Paint Shop Pro 7 because I've become very comfortable with its layout.
One last question, is there a program/tool to make sprites from scratch.? Or maybe just take the hair from one sprite, and the upper body from another and lastly take the lower body from somewhere else to kind of flue it all together.?
Using a graphics editor is most likely the best that you'll do in terms of finding a program to make sprites from scratch. There are an abundance of sprite-making tutorials that you can browse through that would be more in depth in this matter.
Also, just because the sprite generator doesn't have the clothes you want, it doesn't mean that it's the end of the line for your character idea. Once you get good at snatching up pieces that you want and stitching them together, you can do just about anything with the small amount of clothing options provided to you. Here's a character that I did a while ago using the copy and paste techniques I've been talking about, just to give you an idea of how you can proceed :
< Character Pieces >
(Clothing)
(Jacket)
(Main Hair; From Male hair options)
(Hair Accessories)
(Pony Tails)
(Backpack Idea; From Male clothing options)
< End Result; Joined Together and Edited >
You'll see that I used pieces that came from male options as well, don't feel limited. It'll take some practice, but combining sprites together is usually a very simple process once you get used to it.