I think a fighter splash would be more useful to your build: your CHA is too low to really benefit from paladin; whereas getting an extra feat and 1 Toughness enh is always useful to a battle cleric (presuming that's what you're trying to go with, of course).
Here's my 28-pt human battle cleric build for newbies. It takes its fighter splash at lvl 2, but really it can be taken at any time. Taking it early just lets you start swinging a 2H weapon ASAP. For skills you want max Concentration and either UMD or Diplomacy, IMHO.
Code:
Character Plan by DDO Character Planner Version 3.5.1
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Level 20 True Neutral Human Female
(1 Fighter \ 19 Cleric)
Hit Points: 304
Spell Points: 1301
BAB: 15\15\20\25\25
Fortitude: 16
Reflex: 5
Will: 18
Starting Feat/Enhancement
Abilities Base Stats Modified Stats
(28 Point) (Level 1) (Level 20)
Strength 16 16
Dexterity 8 8
Constitution 15 16
Intelligence 8 8
Wisdom 16 24
Charisma 8 8
Level 1 (Cleric)
Feat: (Human Bonus) Empower Healing Spell
Feat: (Selected) Toughness
Level 2 (Fighter)
Feat: (Fighter Bonus) Two Handed Fighting (swap for Power Attack at higher lvls)
Level 3 (Cleric)
Feat: (Selected) Extend Spell
Level 4 (Cleric)
Level 5 (Cleric)
Level 6 (Cleric)
Feat: (Selected) Empower Spell
Level 7 (Cleric)
Level 8 (Cleric)
Level 9 (Cleric)
Feat: (Selected) Maximize Spell
Level 10 (Cleric)
Level 11 (Cleric)
Level 12 (Cleric)
Feat: (Selected) Quicken Spell
Level 13 (Cleric)
Level 14 (Cleric)
Level 15 (Cleric)
Feat: (Selected) Improved Critical: Slashing Weapons
Level 16 (Cleric)
Level 17 (Cleric)
Level 18 (Cleric)
Feat: (Selected) Heighten Spell
Level 19 (Cleric)
Level 20 (Cleric)
Enhancement: Fighter Haste Boost I
Enhancement: Cleric Radiant Servant I
Enhancement: Cleric Radiant Servant II
Enhancement: Unyielding Sovereignty
Enhancement: Follower of the Sovereign Host
Enhancement: Human Adaptability Constitution I
Enhancement: Human Greater Adaptability Wisdom I
Enhancement: Human Improved Recovery I
Enhancement: Human Improved Recovery II
Enhancement: Human Versatility I
Enhancement: Cleric Improved Empower Healing I
Enhancement: Cleric Improved Empower Healing II
Enhancement: Cleric Improved Empower Healing III
Enhancement: Racial Toughness I
Enhancement: Racial Toughness II
Enhancement: Racial Toughness III
Enhancement: Cleric Heal I
Enhancement: Cleric Heal II
Enhancement: Cleric Prayer of Life I
Enhancement: Cleric Prayer of Life II
Enhancement: Cleric Prayer of Life III
Enhancement: Cleric Prayer of Incredible Life I
Enhancement: Cleric Prayer of Incredible Life II
Enhancement: Cleric Prayer of Incredible Life III
Enhancement: Cleric Life Magic I
Enhancement: Cleric Life Magic II
Enhancement: Cleric Life Magic III
Enhancement: Cleric Life Magic IV
Enhancement: Cleric Wisdom I
Enhancement: Cleric Wisdom II
Enhancement: Fighter Toughness I
Enhancement: Cleric Divine Cleansing I
Enhancement: Cleric Divine Cleansing II
Enhancement: Cleric Improved Turning I