It's gotta be the Town Id or you got some flaw in your server sources, why would you want a temple in the first place? are you creating a character through the Account Manager or do you have an aac homepage because if you use the second you might need to change the config file in your homepage so that new players get the right town id.
What you can do is to create a new character then enter your database and player information find out what town id the new character got, if the ID is the same as your admin temple id thats your problem