In case anda don't have Photoshop, anda can download it link

Now that anda have Photoshop, we can get started.
First anda need to click File--->New---> width 800, height 100 pixels. Then anda click Ok and anda have a background.

Now anda click File--->Open and anda select a foto anda want to open. Then anda crop and resize it. I usually choose 110 atau 120 height. Now right click on little window and pindah to new window. Now your image is in new window and anda need to drag it to your banner. Then anda use a little panah from the panel on the left and pindah your image where anda want it.

You do...

PNG is a strategically cropped layer. anda can use it for your icons, banners, acak fan art... anda can make your own PNG atau download one.
link

You drag PNG files same way anda do with link

Here are some PNGs, all from Deviantart:
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I didn't test all of these so sorry if some are not very good.