Codex

Plugin API/Action Reference/profile personal options

Usage 

//This will show below the color scheme and above username fields
add_action('profile_personal_options', 'extra_profile_fields');

function extra_profile_fields($user) {
    $meta = get_user_meta($user->ID, 'meta_key'); // $user contains WP_User Class
    // do something with it.
    // if you echo anything, remember to check if it is set. eg:
    ?>
    <input type="text" value="<?php echo isset($meta["value"]) ? $meta["value"] : ""; ?>" name="value"/>
    <?php
}


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