OH you get pretty dolled up for the grocery store Kim!! hee hee
Okay if you want to use your own texture you will have to make a pattern from it first, usually you would want a seamless pattern.
to make your image a pattern just go to edit>define pattern and a window will pop up to give it a name, then it will appear at the bottom of your patterns list in the patterns fly out and also when you are in the styles palette that pattern will be in the selections for pattern and also texture (under bevel and emboss)
so you make your style, ie get it how you want it by playing with the bevel and emboss, inner glow,inner shadows, etc in the styles palette before saving it as a new style.
make sense ??
let me know if you need screen shots, I can always do it that way