Start off by creating a banner and place it in the top row of a table that will contain 5rows and 1 column. The next row of the table will hold the text for your site along with photos you would like to incorporate into your site. Row 3 will hold a separator, row 4 will contain text links plus a copyright notice, ending with row 5 being a second separator.

For this tutorial, let's call our site just that "Our Site." Now to find a graphic for the banner we're creating. There are plenty of good images to be found at several of the free stock photo sites and for only a small fee, you can find top quality, professional images on some of the online galleries. Try the iStockPhoto gallery for beautiful illustrations or photos that at only a few dollars can add quite an upgrade to the presentation of your site design.

Try to incorporate the colors from the graphic into the colors of the banner. You can choose multiple colors but make sure they work well together or create a variation of the same shade from just one color. Here I will create 3 different shades of blue.

By using the opacity slider on a sampled hue you can create a nice variation. Open a new document and copy and paste the main graphic you've selected into it. From the toolbox select the eyedropper tool and sample a color by clicking on it in your graphic. Doing this will change the foreground color square in your toolbox.

Now open another new document and in the Background Contents choose White and click OK. Create a new layer by going Layer> New> Layer with this document open. Next go to Edit> Fill and select Contents, Use: Foreground Color. This process will fill your document with the color you just sampled. The trick here is to reduce the opacity using the slider and adjust it until you find an appealing shade. After selecting your shade, flatten the image by going Layer> Flatten Image. Use the eyedropper tool again, only now to change the foreground color square in your toolbox to match your newly created color. Click on the color square and the color picker will appear, and you can make note of the numbers of your new color.

I went through my fonts and settled on Onyx regular. When you find a font that works for you, try playing with the tracking, the leading, and the scale - or a combination. It makes it more personal and unique when you include some tweaks.

To select a font in Photoshop go Window> Character. In the palette you will see a list of the installed fonts. Go to Window> Paragraph to pull up the Paragraph palette you will use to create the adjustments to your fonts

If you are looking for new fonts, you have many options. Free font resources are available to you online.

Now we'll create a new document that is 600 x 300 pixels. You of course can change this size to fit your own design when you choose your own stock photo and plan your layout.

Now I'll create a new layer, Layer> New Layer and I'll call it Designer Girl. I'll place the illustration on this layer and shrink it to fit. You shrink your graphic by choosing Edit> Transform> Scale. The bounding box will have handles. Use the Shift Key to constrain proportions, and shrink your image by selecting the top left handle and pulling towards the bottom right. To move the graphic, drag inside the bounding box. Click enter when you're happy with the results.

Now we need a tinted background. I'm going to use the lightest shade of blue.

I select the background layer, Layer 1, and I fill it with the light pink by going Select> All, then Edit> Fill, and in the dialog box in Contents, I select Use: Color and in the Color Picker I enter FBE0EC.

The result is a 600 x 300 banner with a soft background shade and with the graphic placed on the left. It's starting to look like a web page.

I decided to apply a thick stroke to the background layer to make the design more interesting. First make sure the background layer, Layer 1, is active, and create a copy by going Layer> New> Layer Via Copy. Next double-click next to the layer name. This will bring up the Blending Options in the Layers Style dialog box.

Pick and click on the word Stroke in the Styles options on the left side. I changed my settings to Size: 7px, Position: Inside, Blend Mode: Normal, Opacity: 100%, Fill Type: Color, and I clicked the color swatch and entered my color number into the color picker and clicked OK.

The border is just to balance out the design. Feel free to make changes and get creative with your own ideas.

Let's place the names of the major sections directly on the banner. These will be the website links. We will be using image maps since it will be only one graphic.

Create a new layer for the text. Use the type tool to make the section names and use the move tool to place them right where you want them on the banner. Choose a color for your text that is darker than your background color. Do this by going Window> Character. In the Character palette you'll find a color square. Click on it to change colors.

To automate this process you will need an HTML editor like GoLive or Dreamweaver. This is a simple thing to do. You create little "maps" over each word and then enter the link destination. You can do am image map search on Google to find a tutorial if you don't have an HTML editor, or check out your local bookstore for help like Castro's HTML Quickstart Guide.

Now create a new document with a width of 600 pixels, and a height of about 12 pixels. Fill this with your background color. Then, using the text tool and a dark color, type some periods, like this:........... and place them in the file, centering them. Change the size and the spacing until it looks perfect. Save this as a GIF file.

With your HTML editor of choice build a simple table that contains 5 rows and 1 column. If you're going to use text link navigation below the banner instead of image maps on the banner, create an extra row so you end up with 6 rows in your table. Place your elements into the individual rows of the table and that's it!

If you are pressed for time, have no fear. For those with a deadline or those who just can't deal with any more Photoshop techniques, there are solutions available. You can purchase ready-made templates from sources like Template Monster that you be used as the foundation to creating Photoshop web pages.

On Template Monster you will find a pulldown menu on the front page where you can pick options or features and then carry out a search for a template. The templates are reasonably priced and fairly simple to handle in GoLive or Dreamweaver. There have been times that I have acquired a template just for the images and color scheme. This has proven to be less costly than using stock photos with a fee. Take a look at Template Monster to explore the huge variety of web templates they have available.

I hope this tutorial will help you create something nice, and I wish your new website a thousand years of good luck!