If you're looking for a simple 2D animation package look no further! CreaToon is great for simple cutout animation like talking heads. Before I found this I was going to use Blender 3D and learn all the rigging. It saved me some time coming up with a funny effect I wanted.
CreaToon can take most image formats such as JPEG, Targa, and PNG. I like PNG as it allows for Alpha Channels to make the background transparent. This means I could edit a graphic using Paint.NET then animate it. Attaching the body parts of an animation is easy to follow through the online tutorial. Within half a day I had a minute long voiceover and animation sequence working together for my cutout characters.
With the sequence done I was able to put it in front a green background and export to AVI. Imported into Sony Vegas I applied a Chroma Key reapplied the audio and was all set. CreaToon was also capable of exporting image sequences but this method seemed easier for my style of editing.