1.Bring a photo into Photoshop on a blank page that is three inches larger all around than your image. 

2.Create a layer for the mat and fill it with a color you’ve chosen from the photo.

3.In another layer, create a white box, 1/8” larger than the photo. 

4.Arrange the 3 layers with the photo on top, the white box underneath, then the mat on the bottom.

5.To create dimension, stroke the photo and mat.  Here are some suggestions: 

6.For the photo use a 4 pixel, black, outside stroke at 75% opacity. 

7.For the white layer, use a 4 pixel, black inside stroke at 55% opacity. 

8. Complete the effect with an inner shadow from the Layer Style menu.

9. Print out your creation!