Hi Kenny
I create the borders myself using Photoshop but any paint package will do.
First I enlarge the "canvas" i.e not the image but the space in which it sits by a number of pixels (depends on size of picture). I do this in black.
Then I do the same again in white only smaller then finally I do it again far larger. This gives the black, white, black effect.
Final stage is to add the text using the WDW font. I got mine from
http://www.fontseek.com/fonts/disney.htm
And thats it - really simple but effective !!...