Whyville
link
Whyville is a virtual world where boys and girls from all over the real world come to chat, play, learn, and have fun together. You design your face, earn clams by playing games, hang out at the beach, and go to town events at the Greek Theater. You can start your own business, buy a car and give your friends a ride, or write for the town newspaper.
Try the site for free once and then you have to pay.