If you're artistically-minded, but consumately lazy (like me) you might enjoy www.graffiticreator.net to generate an image like the one above. It walks you step by step through the entire process online, using Flash, and allows you to print out your creation at the end.
Fun to play with and a neat way to make your a new web banner, my gaudy creation above was made in a total of about 5 minutes... gee, can't you tell?