An edit for 10.5 users
If you are creating an image with 10.5, be warned the instauser script will NOT create the user as an administrator. The current script has NetInfo commands, that don't translate in 10.5. If you are using 10.5, replace the last line in the 'Make the account' section (which referneces /NetInfo/DefaultLocalNode) with the line below. That will add the user 'instadmg' to the admin group in 10.5.
dscl / -append /Groups/admin GroupMembership instadmg