Open in Photoshop.
Duplicate layer.
Create a Type layer in between the two copies of the picture.
Highlight the top layer and go to Layer>Create Clipping Mask to create a Clipping mask.
Your layers palette should look something like this:
Open the blending options by clicking on the “fx” icon on the bottom of the layers palette and clicking “Blending Options.”
Experiment with the blending options and watch the magic happen.
Lastly add a vignette effect by painting black around the edges of your background image with a very large brush with the hardness set to 0%.
Save as a Jpeg, post below, and save a copy in the appropriate folder in Rosskopf Shared.
Like this effect? Check out this video for more: http://www.planetphotoshop.com/more-texture-effects.html