Too much basic character , you haven't put lot of work on it !
you just taken some model we can find anywhere even with MakeHuman program, and just extended the arms ...

It's too easy, you should put closes, accessories and make the ghost lot more "GHOST".

The best tool when you do design is : GOOGLE IMAGE SEARCH !
Some quick example :
a ghost in some MMO



You will have to put lot more work and personnal touches on your characters to make some good appealing game.

And it seems too much heavy on polygons ... have you some wireframe screenshot or the count of polygons ?

Keep progressing !