So I ran across this website. It's from the creator of www.worth1000.com (for those of you who used to enter the Photoshop contests) If you are a Photoshop guru, you can sign up for the demo and give it a whirl.
It's called Aviary. I haven't tried it yet but I hear nothing but great things about it. Poke around the website and see what sort of neat stuff you can do with it, right in your browser!
On a side note, I am really stuck with the design of my header. I'm working on it though and hope to have this little blog spruced up shortly!