This frame tutorial was made with PSP7 but can be created in earlier versions too ...
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Here is an example of the frame that we will be making ...
~ What You Will Need ~
Jasc Paint Shop Pro Image, Gold Fill Pattern & Floral Decoration...
~ Instructions ~
1. Set Foreground color to White #FFFFFF
2. Click on your Selection Tool ..
3. Find the exact center of your image ... refer to the numbers in the lower left hand corner
4. Layers / New Raster Layer
5. Flood Fill ..
6. Layers / New Raster Layer
7. Effects / 3D Effects / Cutout with the following settings:
8. Selections / Modify / Expand / 4
9. Effects / 3D Effects / Drop Shadow with the following settings:
10. Layers / Merge / Merge All (Flatten)
11. Effects / 3D Effects / Inner Bevel with the following settings:
12. Selections / Invert
13. Reverse Foreground & Background colors at the top
14. Effects / 3D Effects / Cutout using the same settings as in Step# 7
15. Reverse Foreground & Background colors at the top
16. Effects / 3D Effects / Inner Bevel with the same settings as in Step# 11
17. Make your Floral Decoration your active image ... Edit / Copy
18. Resize image and sharpen if necessary ...
If you have any questions or need additional ~ PSP Tutorial Index
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... PSP Tutorial ~ Oval Cut Frame © 2002 Gardendale Designs ...
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Here
You can download all the supplies ...
Here
Unzip and then open in PSP
Set Background color to a dark color from your image ... I used #77414A
.. and then open up your
Tool Options Window ..
.. Selection Type: Ellipse / Feather: 0 / Antialias: Checked
of your status bar ...
On this image center is ..
.. Left click & hold down while
dragging your cursor till you reach ..
.. then let go
Selections / Invert
Set Foreground Styles box to Gradient / Sunburst Gradient with the following settings:

..the selection with the Gradient
Selections / Invert

Layers / New Raster Layer
Set your Foreground Styles box to Pattern
Now browse for your Gold Fill Pattern
Flood Fill inside the selection with the gold pattern
Effects / Sharpen / Sharpen More
Selections / Modify / Contract / 4
Now hit the Delete key on your keyboard
Selections / Select None

Switch Foreground & Background colors at the top
Image / Add Borders / Symmetric Checked / 5
(This border should be white)
With the Magic Wand ..
..click on the new border
Flood Fill with the Gold Fill Pattern

Effects / 3D Effects / Cutout using the same settings as in Step# 7
Vert: 0 Horiz: 0 Opac: 100 Blur: 20 Shadow Color: Black
Image / Add Borders / Symmetric Checked / 18
(This border should be your dark color)
With the Magic Wand ..
..click on the new border
Vert: 0 Horiz: 0 Opac: 100 Blur: 20 Shadow Color: Black
Image / Add Borders / Symmetric Checked / 5
(This border should be white)
With the Magic Wand ..
..click on the new border
Flood Fill with the Gold Fill Pattern
Selections / Select None
Now make your main image active ... go to Edit / Paste / As A New Layer
Position the Floral Decoration in the upper left hand corner
Layers / Merge / Merge All (Flatten)
info, please feel free to email me ...
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