Most people use Midnight Commander with the default blue color scheme which is hard for me to understand because I think it's terrible and I've always preferred it with black colors.
Here's what you need to include into mc.ini:
[Colors] base_color=linux: normal=white,black: marked=yellow,black: input=,green: menu=black: menusel=white: menuhot=red,: menuhotsel=black,red: dfocus=white,black: dhotnormal=white,black: dhotfocus=white,black: executable=,black: directory=white,black: link=white,black: device=white,black: special=white,black: core=,black: stalelink=red,black: editnormal=white,black
Do not put newlines between the color definitions! Write them as a single line! I only did it for readability.
Update: Starting from Ubuntu 10.4 Lucid Lynx you're advised to skip the menu and menusel definitions because the those will mess up menu colors.