1. Open Photoshop. Open the image to
create Plain Wood frame.

2. Create New file with 640 X 480 Pixels and drag
the image on it using Move tool.
3. Create a new layer in the middle of background
and image layer. Keep it Selected. You can name it as a BASE frame
layer if you want.
4. Draw rectangular selection around the image for
frame using Rectangular Marquee Tool, on the BASE frame layer.
5. Edit > Fill > Pattern
(Select Pattern from the Use drop down and Select Wood from custom
pattern)
Deselect using CTRL + D
6. Layer > Layer Style
> Bevel and Emboss (Style : Inner Bevel)

7. Create another layer above BASE frame layer and
draw another rectangle on it using Rectangular Marquee tool. It
should be smaller than the rectangle on the BASE frame layer. Fill
it with the same wood pattern used for the BASE frame layer. Deselect
using CTRL + D.
8. Layer > Layer Style
> Bevel and Emboss (Style : Inner Bevel)

9. Select image layer
10. Layer > Layer Style
> Bevel and Emboss (Style : Pillow Emboss)
11. Image > Trim
to trim the image.

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