Hmm, what do you mean? If you need a JPG template here is one. I recommend you to read through some threads about skinning and this article "How do I make a skin?" You can ask more with a PM.
Good. Now just get Gimp or Paint.NET, for example. With those you can use layers, so .psd files/templates should work. You can use CMX Viewer to preview your skin.
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(Frunze118)
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by Frunze118
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(Frunze118)
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by Frunze118 : not good idea :p