Im in the midwest and we are required to have footings below the frost line. The stem wall can be poured or concrete block (they're not made of cinder any longer). One thing to consider, and it weighed heavy on my mind when I built mine. If you goof up anything on the foundation , its either A going to cause problems when the framing begins or B) be expensive and/or cumbersome to remove and replace the mistake.
If you still want to attempt, then dont let my comments discourage you. Its just important to factors those into your equation. I would also recommend doing a practice run with small bricks in your back yard. Build a bar-b-q or something. See how straight, square, and plumb your walls come out. There is an art to laying block and it takes some practice to get good at. It would also be helpful if you know someone that can show you the proper way .
