Sunny, here is how I would go about it in PS, I'm supposing all three photos are the same size. First make the background layer into a regular layer. (double click on the thumbnail) Make the canvas three times the width of one of the pictures so you can spread them out without overlapping. Then figure out how wide you want the frame to be (say 25px) and add that to the canvas in all sides. Now add another 50px (double frame width) to the width only and move both end pictures to leave the 25px between them and the center one. Once you're happy with the spacing merge the layers. using the wand tool select the transparent area around the edges, make a new layer and fill it with the color of your choice. Now you can add a bevel to it or a layer style. Done. Please ask if this isn't clear enough...Chef