Made this using my Majestic Midnight kit. Just open in PSP or PS, copy and paste your photo as a new layer, drag your photo layer to the bottom, then arrange/resize the photo so that it sits in the frame. My sample shown below, click the sample to download - there are 2 versions, one with and one without the wordart. Sample is 50% actual size, but of course blogger cuts off half the sample anyway LOL. Actual wallpaper is 1280x800.
Feel free to share the link to my blog through any groups or with your friends, but please do not share the download link. Also, please do not share my kits, in full or in part. If you know someone that would like it, just send them here please. THANKS!