Light-armor (not sure which would fit a bard better, leather or scaled.)
Guilds: Bards' College, Thieves' Guild
Alteration (for armor spells)
Restoration (for wards and healing)
Enchanting (to enchant clothing)
Guilds: Bards' College, College of Winterhold
#2 looks more like a spellsword, and it would be tough perking all those skills because they are all very important (other than speech). #1 is more rogueish, but maybe a little too light on the spells, and some torch juggling would be needed to free up the left hand for blocking.
What do you think? Maybe you have ideas for a superior build?