Okay i'll give it a try <img src="/ubbthreads/images/graemlins/biggrin.gif" alt="" />
1) download the try out version of PaintShop Pro
2) Take a Picture of your favourite Fantasy(?) Hero.
3) go to the Header Image > select resize> and make it the size you prefer (remember this works a little like a balloon, if you stretch (enlarge) it, it will become faded and vice versa
3)click on the Icon on the left hand side that has a big letter "A" on it and left click somewhere near the bottom left of the picture.
4)you will get a new screen with an empty space which you can use to type into ... say a word or a name like Bernhart (?)
5) if you highlight those words you can then enlarge the or reduce the size of the font or even use a different font.
6)Click ok and select the Move Tool (kinda looks like a four pointed arrow)
and move the text around till you have it where you want it
click file and use "Save As" give it a name and voila <img src="/ubbthreads/images/graemlins/biggrin.gif" alt="" />
Now this is a very simplistic way of doing it, but theres a really good help file attached and well ... practice makes perfect.
Side note; there are a lot of other Graphics programs around, including Paint, that should already be installed on your PC as it is part of Microsoft, however PSP has by far the easiest learning curve.
Oh and if you would prefer, sent me the picture firstname.lastname@example.org
and some idea of what you want and I'll give it my best shot <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />