Can't remember the name of an MMO I used to like

[Optimallife]

Here's the details I can remember:

It was a downloaded client, not browser based
It was free
The character select screen had your characters lined up in a church (Or at least I think it was) in front of pane glass windows
Item drops were in chests.
You could have horses, they were expensive and unlocked at level 25.
It had a lord of the rings feel, with races including men and elves and mages, warriors etc classes.

Any ideas?

Thanks