Because there's some sort of userbar fetish at this forum(), I'll share with you a little thing I made to make making them easier.
To use it, put this in a image code:
http://www.d2kstudios.com/userbars/userbar.php?
along with the parameters below.
The parameters are:
bgi
The background image; Will be scaled to 350*19. If you don't supply a background, the background will be black.
fgi
The foreground image; Will remain exactly the same. If you don't supply a foreground, it will only display the background and text.
t
The text.
l
The number of pixels from the left side that the text should be. That is a lowercase L. Defaults to 225
Easy eh? It automatically adds the shine and lines, you just need to supply a background image and a foreground image, plus text.
Here's an example one: