I've also included a "cutout" effect frame as a .png in my zip which you can use in different ways....see my example pages below.The cutout will accomodate a 4 X 6 inch photograph but you can adjust to suit yourself.
Although I have tagged these pages as "heritage" I think they would be quite suitable for other images.
You can click on either image to see more detail.
The zip is available HERE
An extra frame is now available HERE
See my posting of 11 August 2008