I found a psd version of the Kubrick header on David Cummins blog which I guess most of you already know about?
You just put your graphic on a new layer between the background and the current pic.
It is for use with Photoshop but can probably also be edited with Ulead's PhotoImpact or the free Gimp.
The hassles with changing header graphics are one of the few annoyances I've found with blog systems.
Thanks, Dave.
Hidden gem - header graphic changer
Hidden gem - header graphic changer
Thanks, John Williams