You will need:

Paint Shop Pro
Three images of your choice.  I used Deacon Black, who is a CILM artist.  Please visit this talented artist here.
Penta.com - Dot and Cross/Jeans/Color Dot here.  You will need to download Color Dot and Garbage Collection.
Brushes of choice (optional)
Font of choice.  Mine Fairydust here
 

First Ctr+D your images and close the originals.  Resize your images as desired.  See my finished tag to get a general idea of size.

On your first image, lower the opacity to about 60%, and add a border of 5 in white.  Add penta.com/dot and cross with the following settings.

On your second image, lower the opacity to about 80%, and add the same border as you added before.  Go to penta.com again, this time add jeans with the following settings.

On your final image, lower the opacity to about 70%, and add the same border as before.  This time go to penta.com and add color dot with the following settings.

Open a new canvas 600 x 400 flood filled with white.  Copy and paste your images over to the new canvas and arrange to your liking.

Add the following drop shadow to each added layer. 

 Add your copyright for the images, hide the white background and merge visible.

You may want to add some brushes to the background at this point.  If you do add another layer between your images and background layers, and choose a vibrant colour from your images.  You can lower the opacity of your brush if you want to make it subtler.  I used grunge brushes on mine.

Now lets add our text.  I'm using Fairydust, vector layer, stroke 1, with a dark colour for the background from my tube, and a matching light colour for the foreground, size 100.  Stretch as desired, and convert to raster when happy, and add the same drop shadow. 

Now lets crop your image.  A quick way of doing this is to hide your white background, click your crop tool.  In the top right hand corner where is says 'snap crop rectangle to:' hover over them and click on the one called Merged Opaque.  This brings the crop frame as close round you image as it can possibly get.  Now either double click your image to crop, or click the green tick in the top left hand corner.

Unhide your white background, merge visible and save as a jpeg.

You are done.  I hope you enjoyed this tutorial.

Please feel free to link to this tutorial, and/or print it out for your own personal use, but DO NOT copy it in ANY way to put on-line, pass out, or re-write without my permission.  Any resemblance to any other tutorial like this is purely coincidental.   Thank you.  This tutorial was written on the 7th January 2007 by Faerie Queen.