EZ
Heart Gif by Tye
Open
the Heart Gif in Animation Shop first so you have a transparent
background then Import to PSP.
Add
text of your choice.
I used Edwardian Script ITC.
If
you would like to add a cut-out text, use these settings:
Click
in the center of your heart. Choose a font, Center the
text. Size and
choosing Bold text depends on your taste and font choice.
Color doesn't matter, tick Selection and Antialias box.
Click OK.
Do
not deselect.
Add a Cut Out using these settings:

Add a
drop shadow using these settings:
Change the drop shadow color to #FFB199

Deselect,
adjust your text until its where you want it and Merge Visible.
That
is it!

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