PS CS2 ~ Quick Layers with Texture...
I found these cool textures on Flickr and tried layering them with some photos in Photoshop. The results are pretty cool when you try all the different options. I pulled together a quick video* tutorial demo showing how I used them. The source of the free textures is linked below. Enjoy!
Samples made with Wall Texture.
Hard Light Blended Layer with adjustment made to brightness/contrast.
Multiply Blended Layer
Overlay Blended Layer
Have a blessed day!