Create user account from putty (Newbie)

Hi all, I'm a Linux newbie and I would like to be able to
programatically create a new user account on my VPS.

I'm running CentOs as the operating system and I would like to be able
to create the new account via putty as well as do the following:

Add a new user and specify the users password (The home directory for
this user should also get created). Also, when the account is created
copy over some files from a specified directory and place them in the
newly created home directory.

I have looked on the Internet but I'm a bit confused with all the
flags which are needed and I do not want to do a trial an error
approach. So if someone could please give me an example on how I can
do the above it would be appreciated

Thanks
Catherine

.

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