It can be as simple or as complex as you want.
For simple, you can open a photo you like in Paint, crop it to the part you want in the dimensions you want (standard banner sizes can be found at
http://en.wikipedia.org/wiki/Web_banner), type your desired text over it (make sure you have a transparent text box), and save it as a jpg.
If you're ambitious and don't mind a learning curve, you can download GIMP here:
http://gimp-win.sourceforge.net/stable.html . It is similar to Photoshop, except it is free and open-source. You can find the installer for Windows and the English help file there (though the help file is not always helpful). If you are not running Windows, you can go to
http://www.gimp.org for other versions.
I like GIMP a lot, even though I have barely scratched the surface of what it can do, and don't always understand what it's doing. I have learned enough, though, to get along pretty well. Well enough, that when I made the picture at the top of this page on my husband's website:
http://www.freewebs.com/shaygetz/ladyofthetrain.htm , one of my friends asked me when I had been in New Orleans to ride that train. I have been to New Orleans a number of times, but I never was on that train. The train is 1:72 scale (about 6 inches long), and is one of my husband's models. The dress is not green -- it's white, that being a picture of me in my wedding dress. I had to place myself not only on the train, but also behind the railing. That was fun! :razz:
I enjoy the challenge of working with GIMP and seeing what I can do with it. But it takes a while to learn.<br /><br />__________ Tue Jun 22, 2010 1:13 am __________<br /><br />You can find tutorials like
http://www.freesoftwaremagazine.com/art ... page=0%2C0 by doing a search on
website banner using gimp.