i hate to say this, but there is no easy way around making your own banner. you need some (shall we say) skills if you want to go through with this. and alot of patients.
firstly, you need Photoshop. it is an essential for any casual or pro artist wanting to do digital work. if you dont have it, you can buy it (which is expensive...) or you can download it (via bittorrent, recommended)
once you have got a hold of the program open up a new document, and a window will come up asking you to give the dimensions of the new image, colour mode, image resolution, and a few other things. all you need to do is set the dimensions to 468x100 pixels and raise the resolution of the image to 150dpi (dpi means dots per inch if your wondering)
then click ok.
you will then have a small window open up which is your desired dimension of 468x100. now go and open all the images that you wish to include in the banner in photoshop and you can modify and drag them onto the document you created. (when you open an image which is not a PSD file, generally the image layer will be locked which prevents you from editing or moving it. to get rid of this, select the layer in the layers pallete, which is in the lower right of the screen, and click the icon which looks like a pad-lock above the layer list. (please note that this may be different depending on what version of photoshop you get) then you can move the images onto your document to make your banner. on the left of the screen you will notice many icons, each doing a diffferent thing. the only ones you really need to know are the erazer tool, the brush tool, and maybe the type tool (they both look like an erazer, brush, and letter respectively), but if you are feeling adventurous, you can try the otehr ones aswell.
after you have got all your images together on your banner document and inputted your name or whatever, you are basically done.
If you want to be creative and experimental, and try something interesting, you can fiddle with the many filters and effects up in the "filter" drop down menu at the top of the screen. this will make your banner look more intersting, depending on what you do.
on a side note, you can make your own filters, but thats for when you get beter.
very generally, just keep experimenting with different effects and tools, and understand what each one does. thats the best way to improve with photoshop. the program is very deep... very. ive been using photoshop for about 8 years and i still sometimes find new things.
anyway, i think thats the most i can do to assist you...
if theres anything else, dont fret to PM me. ill always be happy to answer to your complaints
Enjoy banner-making! ^_~