http://askubuntu.com/questions/152707/how-to-make-user-home-folder-after-account-creation

userdir.sh

#!/bin/bash
if [ $# -lt 1 ]; then
    echo "Syntax: $_ USER[ USER[ ...]]" >&2
    exit 1
fi

exit_code=0

for user in "$@"; do
    home="/home/$user"
    cp -R /etc/skel "$home" && echo $'\e[32m'"Copied skeleton to: $home"$'\e[m' || ( exit_code=$?; echo $'\e[31m'"Failed to create: $home"$'\e[m' ) >&2
    chown -R "$user:$user" "$home" && echo $'\e[32m'"Set owner on: $home"$'\e[m' || ( exit_code=$?; echo $'\e[31m'"Failed to set owner on: $home"$'\e[m' ) >&2
done

exit $exit_code