Software to Create Banner from Photo

Hi all, please forgive this stupid (and off-topic) question, but I've asked elsewhere and can't seem to find an answer. I'm hoping someone here knows.

I am looking for a software application that will allow me to easily create a web banner (700x200) from digitial photographs (1280x960). JPG, GIF, or PNG formats are fine - my photos are all in JPG format now. The app should also allow me to add text to the banner.

That's it, nothing fancy. All I've found so far are free appliations that don't allow you to use your own images, or pricey apps like photoshop that do way more than I need & don't easily create the banners.

Thanks in advance for your help.

-Nate