[cobalt-users] Postgres database for customers, how?

["K.Simon" <webmaster@xxxxxxxxx>]

Hope there's somebody with postgres experience. I just won't get it. So
here are my questions. Hope you can answer them.
I initialized postgres as described on the cobalt site. Now i have two
databases there. Cobalt and template1. 
Which one do i have to use to create one database (DB1). Then i want to
create a user (USER1). I want to give user1 ONLY access to his database
without more rights but letting him do with his db whatever he likes (only
on localhost, no external connections). 
Then i installed a central copy of PGadmin. How do i create a user which
has the right to connect to the database (which? cobalt/template1?) and
read the databases to authentify the user? Just like in phpMyAdmin. I would
like to know the exactly shell commands to do this. I've read through the
cobalt-users mailing list and marc's archives without finding more detailed
info.