I promised some time ago to share my photoborder but kept forgetting to; here you can download it. At least I think it should work..? It's zipped and the photo itself is in .psd - so hm, useable with photoshop I guess. All you need to do is to add photos (in their own layers ofc) & remember to keep the borderlayer in the topmost position kinda. And if needed, just use Ctrl-T and shiftkey to resize it to your own preference :) Any questions do let me know :) (and for the layout I used with this photoborder - look at this post)

Now, I made this outta two or three diff. photoborders made by Andrea Rascaglia, so all credit should go to her :)

Have a nice weekend! :)