Walk animation the easy way
First, fire up Spazz3D and edit your avatar. Use the animation wizard to animate each of the legs, just like you animate anything else. Note the options for the animation wizard.

You'll probably want to fine-tune the animation.

Now check the "Triggers" tab on each of the animation groups, and set the trigger for each animation to "CoCi Walk"

Finally, use the "complex avatar" wizard to save it as a VRML file.