Hi JamesB
Welcome to the forum.
Wow what a question to start with!!!
First of all work out how much you are prepared to spend, don't forget the memory cards arn't included with the camera so budget for that as well. I would suggest drawing up a list of 3 or 4 cameras and going to a photographic shop to see which is easier for you to hold and the ease of the controls.
It can make all the difference as to how steady you can hand hold a camera between one that sits comfortably in your hand and one that doesn't.
I would personally recommend buying just above your limit if the camera has a lot more features. You may not need them initially but eventually you will outgrow your camera and be looking to upgrade and you will loose far more in the upgrade than getting the more expensive one in the first place.
As for lenses most people go for either Canon or Nikon as both companies do have a large option to choose from apart from 3rd party makes.
Have a look at this site which may help you
http://www.dpreview.com/
Realspeed