There are many ways to create a frame for your photograph - they can be downloaded from various websites and are normally applied to the photo as an action. It is however, quite simple to create your own and even create an action which can then be applied to a shortcut which enables you to very quickly frame your image.
In this article I am going to describe how I create one of my favourite frames........
Firstly I will describe how to create the frame and then how to record it as an action and apply to a shortcut button so you can run it automatically.
This is the finished framed image:

Preparation and Processing

I always apply the frame to a full size image after I have completed my normal processing and am happy with the image. I will not resize or sharpen for internet upload after I have finished processing and framing. This means that I can use the same settings for framing all images and this is important in the automating process.
Once I have completed all my processing I will save a copy of the unframed tiff image.

Image Size

The sizes given in this article are for a full size image of 3786 X 2394 pixels - this allows for the small crop that occurs in straightening the image - I think I must be lop sided as I always seem to have to straighten my images! If your image is smaller/bigger than this then you may have to play with some of the width/height sizes given in order for this to work for you.

Make a copy of your processed image - remember this should be prior resizing and sharpening for upload.

Building the frame

The first step in building the frame is to add the white border around the whole image, to do this click on the Image menu option and select Canvas Size.
This will present you with the Canvas size dialog box.

Tick the Relative Box
Against width type 100 pixels.
Against height type 100 pixels.
Change the canvas extension colour to White.
Click ok and your image will be given a white border.

Now we need to start building the black frame - again click on the image menu and select canvas size.

Tick the Relative Box - if it is not already ticked.
This time make your width and height 200 pixels
Change the Canvas extension colour to Black.
Click ok and this will place a 200 pixels black border around your image.

Nearly there now just need to extend the black border at the bottom of the image to give the finished frame.
Click on image menu - canvas size to open the dialog box.

Tick the Relative Box - if it is not already ticked. Make sure that the Canvas extension colour is set to Black. This time we only need to give a value in the Height Box in this case 300 Pixels.

We need to anchor the height so that the additional height is only added to the bottom of the frame - this is achieved by clicking on the central top arrow in the Anchor box. If you have selected the correct arrow the box should look as the one above in the full dialog box.
Click ok and you will have your final frame all ready for you to give it a title and resize and sharpen ready to upload to your favourite photography forum.

Remember the width and height sizes given are for the sample image size used you will get different effects with different sized images so play around with the width and height until you find the sizes you are happy with. Once you have found the size that suits your images you can then move onto automation.

Automation

Framing an image as described about could be a bit time consuming to do every time you want to frame an image, fortunately Photoshop allows you to create a shortcut via the actions option.
It is really quite simple to create an action that can be run each time you want to frame an image.
Once you have your image prepared for framing before you start you need to tell Photoshop to record an action this is done as follows:

This is the Action Pallet.

Firstly click on the new set icon. When the dialog box opens type in the name you group your actions under - this is like a folder in which you store files.

Once you have created your set you will need to create your action.

Click on the set that you created and make sure it is highlighted, next click on the create action button

This will open a new dialog box -

Give your action a name - Make sure it is in the correct set.
If you wish to fully automate this action select the function key that you would like to allocate it to - in this case I gave it F12 with Shift key.

This means that every time you want to frame a full size image you would select Shift F12 and the image would be framed for you.
Next click record and go through the full framing process as described above and Photoshop will record everything you do and apply it to this action.

Once you have completed the frame remember to click on the stop recording button

Your action is now recorded and ready to run - to test it open an unframed image and press Shift F12.

A pre-written action for the above framing is available for download here