Tutorial: http://www.adobespot.com/tutorial_textmontage.php

Site for generating text: http://www.lipsum.org

Link courtesy of Antoine Khater from DPReview. For more options, examples see:

http://forums.dpreview.com/forums/readflat.asp?forum=1006&message=16842784&changemode=1

Be sure to check out this alternative approach crafted by RetouchPRO member photofixer (aka: Sharon):

http://forums.dpreview.com/forums/read.asp?forum=1006&message=16907733

Here's my take using Bara (again) as a subject and a gradient layer below the text layer. I used Sharon's method.

~Danny~