I create frames using PS Elements (2 & 3) easily using the edit->stroke tool; but other imaging software uses similar tools:
Don't ask me why they call it stroke, anyway here's my basic framing technique:
1. create a layer copy.
2. Edit -> stroke (30 px colour black)
3. Edit -> stroke (26 px colour white)
4. Edit -> stroke (20 px colour black)
5. Flatten image and save as.
...I'd like to turn this into an 'automated task' but can't see how to in Elements - it only takes a few seconds anyway - check out my photos for other examples.