Tutorial for Photoshop7.0
Should be easily translated.
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Sharpen your image.
Grab this texture...Original -
here by
gforginaSet to Screen -->
Next Grab this texture. Original -
here by
genderSet to Soft Light -->
Copy the Original Image (Layer 1) and drag it to the top.
Filter > Noise > Median..
Set to 5, and out the layer to Soft Light.
Once again, copy the original image (Layer 1) and drag it to the top. Set this layer to Screen.
Now we need a border
It's still too dark. Copy the Original Image (Layer 1) and drag to the top.
Set to Screen.
Finished Product;
Final Layers Palette: