I'm gonna teach you my method of making userbars using Photoshop CS2.
First, go into File>New... and put in the following:

Next, select the gradient tool:

Click and drag diagonally over your userbar, you should end up with something like this:

If you haven't already, create the scanlines pattern:

Zoom in to around 1600%:

Select the pencil tool, make it 1px:

Create a diagonal line:

Go to Edit>Define pattern:

Go back to the userbar, right click the gradient tool, and select the paint bucket tool:

Make sure you have these settings:

Fill your userbar with the pattern, then select the text tool:

If you haven't got the Visitor font, download it from
www.dafont.com/visitor.font, otherwise use these settings:

Type in your text. Move the text over to the right, and you should have something like this:

Go to Layer>Layer Style>Stroke and put in these settings:

Go to Drop Shadow, and put in these settings:

Go to Bevel and Emboss, and don't change anything. Here's what the default should be:

If not, fix it.
Exit out of that box by clicking 'Ok'.
You should have something like this:

Select your gradient/scanlines layer and go to Layer>Layer Style>Bevel and Emboss and put in these settings:

Click 'Ok'. If you want, add an image. I added the Userbars.ORG logo:

Looking good, eh? Next, right-click the icon next to the pen, and select ellipse:

Drag an ellipse from about 1cm above the userbar, down and to the other side, like so:

Now, we don't want it entirely white like that, so change the opacity to around 25%:

You'll notice the edge is a bit rough, so select the blur tool:

Right-click the layer in the layers window, and click 'Rasterize type'.
Next, with the blur tool, hold down the mouse and move it along the edge of the ellipse. You should now have something like this:

Now all thats left is the border. Create a new layer by pressing Ctrl+Shift+N:

Next, merge your layers together, then go Right-click>Bleding options.. select Stroke, width 1px, Inside, and colour black.
Here's the result!:

I hope you enjoyed my userbar tutorial, and I hope it was helpful to you.
