Check out the Bebo instructions on: http://www.bebo.com/SkinSpecification.jsp
You need Adobe Photoshop to make your own. These are what Bebo is looking for. I don't know how to use Photoshop so I can't tell you exactly how to make each part.
Copyright Infringement
Skins should not include any branding/logos/copyrighted material without prior written consent from the copyright/brand owner.
Sample Graphics
All graphics should either be GIFS (.gif) or JPEGS (.jpg).
Details of all required graphics are given below. For demonstration purposes we are using the 'Nightclub' skin. You can choose this skin as your own to see how it looks by clicking here.
a) Navigation Background
File Name: nav_bg.jpg/gif
File Size Max: 10KB
Dimensions: 760x40 pixels
Description: The bottom left hand rectangle measuring 510x25 pixels should have a plain background since the sub-navigation links will cover this area. The graphic should have slightly rounded corners similar to the blue bar above it.
b) Main Background
File Name: main_bg.jpg/gif
File Size Max: 40KB
Dimensions: 760x375 pixels
Description: Main Background.Used as the background to the primary summary user info at the top of the page.The bottom of this image should fade into one solid color. The reason for this is some users will enter a lot of text in their profile, this text will be larger than the area covered by the background. We will therefore include a background color to cover the area when this box expands. NOTE: The sample image does NOT fade into one color, this requirement was not defined until now.
c) Main Footer
File Name: main_footer.jpg/gif
File Size Max: 1KB
Dimensions: 11x15 pixels
Description: Simple bar to mark the end of the main summary section. We only need a small segment of the bar as we will repeat it horizontally.
d) Main Icon
File Name: main_icon.jpg/gif
File Size Max: 1KB
Dimensions: 20x20 pixels
Description: Used below the main profile photo to the left of each option. Give this a transparent background so that it blends in.
e) Module Header
File Name: module_header.jpg/gif
File Size Max: 10KB
Dimensions: 375x44 pixels
Description: Keep space to the left not too busy so that the module title can be read.
f) Module Background
File Name: module_bg.jpg/gif
File Size Max: 10KB
Dimensions: 375x50 pixels
Description: Module Background.Used as a background to the main module body. The top of the graphic should fade to one color that will be used for the bulk of the module background.
g) Module Line
File Name: module_line.jpg/gif
File Size Max: 1KB
Dimensions: 32x3 pixels
Description: A simple graphic to divide multiple postings within a module, such as in the White Board module.
Style Sheets
Once you've uploaded the graphics you can edit the stylesheet to change text colors etc.
Helpful Tools
The GIMP - a free graphics tool - Windows | Mac
Photoshop Elements - graphics tool ($80US) - Purchase info
SnipShot - a free web-based tool - Go to Snipshot.com