You can also check out the 3 Dimensional Chat forum.There are some people in that forum that are excellent at texturing.Also someone like Higgins,KeithC,etc. might pop in and give you a hand with this.
Mr. Love is right.If you plan on amking textures you will eventually need a UV mapper.A couple I can think of off the top of my head are Lithunwrap and Ultimate Unwrap3D.
You will need a paint and photo program.I recommend Gimp.It's free and it does a great job.
There are other forum members who can explain this much better tahn me so I will leave it to them.
FLa
Where you can find my demo:http://www.savefile.com/files/6970524