I should've included the attached screen capture to show the steps that I had taken to get as far as I had; I'm attaching it here, but I'll try and remember what I had done:
1- Opened the "sandimage"
2- Duplicated the layer
3- Typed the text using the "type mask tool"
4- Created a layer via copy (the selection)
5- Then (because I'm not very good at layering yet, I did a "layer order" thing)
6- Then I "loaded the selection"
7- And then I started fooling around with the layer styles
Drop Shadow
Bevel & Emboss
Inner Glow
Color Overlay
Add Noise
Inner Shadow
I really appreciate the styles that duwayne and videosean offered; thanks so much for your help! I'm a real newbie at this and it's so interesting to see everyone's talents and tryout their techniques!
Doug, I will try your suggestions and will post back with what I come up with.
Thanks again to everyone!