Photomatte Lab is a good package to use when you need to digitally frame that special image. There are lots of frame styles and you can choose inner and outer matts. Choosing various colors and textures creates endless variations. Here are some examples.
FYI: Eric Smith, the person who wrote the program Photomatte Lab has become lost to the world.
Whereabouts unknown. If you purchase this program you will not recieve any support or updates.