Since your new and have about 800US to spend I would sudjest looking at these cameras with the kit lens to get you started.
Remember you will have to buy a memory card A good size is 1 or 2gb.
Learn the camera and then you can focus on some additional lenses and accessoriesSparky_caI have a photographic memory, but I always seem to have the lens cap on. Current Camera Canon 30D..
You should take a look at the Pentax too..
I asked a similar question yesterday, Ive spent much of today researching various cameras & I think I am going to go for the Nikon D40..
Pentax K10D will probably be over your 400 budget - but another to consider is the Olympus E-410. Currently has 50 cashback on it with 14-42mm lens to bring it down to approx 375..
As mentioned by IanMP - D40 + kit lens is attractive at approx 269 and could be a good choice - do bear in mind it's a 6MP camera and the others are 10MP - as to what difference that makes I'll duck out if that's OK and let you decide yourself if it's something that will effect you..
Don't know if you've got the "need a DLSR fever" or "need a camera fever", as the Canon G9 could be something to also consider - approx 329, many similar features/settings to a DLSR, can attach wide or zoom lenses, flashes etc, has 2 MP more than any DLSR's mentioned, large standard zoom range, 3" LCD with live view (can see on LCD what picture going to take), image stabilisation, weighs about half as much as a DLSR and you can put it in your pocket!.
Best advice though is to get into a shop and handle the ones you're interested in - take shots with them - study results - which one are you happiest with - don't want to put down etc..
Don't want to put you off but my owner did that for 90 mins with DSLRs in a shop last weekend and came away with nothing - tried Nikon, Canon, Pentax, Olympus and Sony models - 9 different cameras in total, with various lens configurations, but none felt "right" for him - so he's still got that "need a DLSR fever", but it might be slightly subsiding!.
Good luck with your choice.....Caster..
I found myself in a similar dilemma this week and posted on both panasonic and olympus forums for advice. Eventually decided to go for olympus e410 twin lens kit from digitaldopot .co.uk. at 329 (you actually pay 379 but claim 50 cashback from olympus. It gets favourable reviews and my local camera shop also said it would be excellent camera to learn with. They also said I should snap their hands off as it was such a good deal. Expecting delivery this SaturdayIan..