See the BSD FAQ which is pointed to on the main screen of WWW.NETBSD.ORG. 
There is a small ADDUSER script in there which creates directories etc. as 
well.

Scott
scott.burns@labatt.com

----------
From:  owner-netbsd-help@NetBSD.ORG[SMTP:owner-netbsd-help@NetBSD.ORG]
Sent:  Sunday, March 10, 1996 2:40 PM
To:  Scott.Burns@labatt.com
Subject:  Adding Users

How does one add a user manually?