1. Take the picture you want and make a new file in psp with the picture.

2. Change your background color to the border color you want.

3. Go to Image- Add Borders, match my settings, and click ok.

4. Ta da! Note that this adds pixels to the outside of your image. Here is a method that doesn't add pixels.

Change foreground color to desired border color, select all, Selections- Modify- Contract, Invert, fill it in, deselect.