For a first-time party, a good choice is two fighter-types up front, two spellcasters in back, one person to do lockpicking, and then fill out the remaining spot with whatever catches your fancy.
Personally, I'd go with two bishops for the spellcasters. I've tried it with other combinations of magic-users, and this has always been the most satisfactory for me. Bishops do develop more slowly, but they have such a great range with the magic, and are much more versatile than single-type spellcasters, that over time they become quite powerful (or as powerful as any spellcaster can be in this game).
Best to start with bishops rather than change class later. Development would be even slower, and I've been down that painful road. Wouldn't do it again.
Since you plan on having both a bard and a ninja, I'd say have your bard do the locks, so your ninja can concentrate on spells beginning 5th level.
Rangers are good for a first-time party because of their auto-scouting ability, finding all those hidden items. At higher levels, the instakills with bows comes in very handy.
Nightowl2
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