In context of question u have asked that, whether there is any tool available which will load arm, leg, face etc separately and create a animation out of it.
so yes there are tools available for j2me game development, which does similar things, One of them is Motion Wlder (http://www.motionwelder.com/Solutions.html
Have a look at this.
It comes along with API, to read an animation created by Motion Welder.
Do let me knw, if i can help you more on this