In photoshop CS3, with selective coloring.
If you don't understand some steps please write comment.
00.
Find a base Crop it to
100x100px
01.
Duplicate it and set
to screen
02.
Make selective color layer
Reds: -100, 0, -32, 0
if u want u can
duplicate it (i did it)
03.
New layer fil with
#ffe5c6 and set to
color burn 100%
04.
Another New layer fil with
#c2b2a0 and set to
mutiply 100%
05.
one more layer with
#d1f8ff set to color Burn
06.
Duplicate u base
bring on top and
set to screen between
5%-100% ( if u want more
white set more opacity)
07.
New selective color layer.
R: -100, 0, 48, 0
Y: -42, 0, -53, 0
W: 0, 0, 36, 0
N: -15, 0, 16, 0
08.
Create photo filter layer
filter: blue
destinity: 32%
preserve luminosity: tick
09.
last selective color layer.
R: -100, 0, 100, 0
N: 57, 0, -27, 0
u can set more saturation
in hue/saturation
10.
Paste
this by me.
Set to screen, u can
add some text, Finish!
other examples
example
example
example