I made a simple looking template which can look quite nice given what you choose to apply to it. I had fun making the clipping mask. I've included a psd, tiff, and all pngs in my zip download. I'm addicted to usiing templates and love making them! Can't wait to collect all of yours and will go enable this exchange on my blog when I finish posting here. I'm having major problems getting around on the site tonight, it doesn't want to move or load the pages. Guess all the kinks aren't ironed out yet.
and my layout using this template
You have a choice of download sites