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I stopped here
  This lesson was written by me on March 7, 2008.  Any resemblance to any other 
  lesson
  Is merely coincidental.  You may use this tutorial for personal use only.  
  Please do not distribute
  In groups, post on a website or send via email without permission by me.  The 
  graphic used in this tutorial is copyrighted by me.  
Please do not share.  If 
  you wish to use my graphic, please contact me prior to use.
   
  Debi Jarrell
   
  This tutorial was done in Paint Shop Pro 8 but can be done in pretty much any 
  version.  You may find a demo version
  
  here.  You may use my graphic 
 here, or a graphic of your own.
   
  Make sure that the graphic is no more than 500 pixels at the longest edge.  If 
  it is larger, please reduce the size of the graphic.
   
  Choose a color for your foreground and background colors, and choose your 
  font.  I used Black Chancery with the following settings. 
   
   
 
   
  Convert vector layer to raster.
   
  Adjust> add/remove noise > add noise
  And use the following settings.
   
   
   
  Choose ok.  Then Effects> 3D effects> inner bevel
  And use the following settings.
   
 
   
  Click on ok, If you wish to add a drop shadow, you may; I did not as the 
  background is
  already dark.  Choose layers> merge> merge all (flatten).
   
  Add a new raster layer, put your water mark on it, save it as a JPG and you're 
  done.
  I hope you enjoyed this tutorial.   If you have any questions you can email me
  
here.
   
  Copyright © 2008 Debi Jarrell
  All Rights Reserved