Assuming you are using photoshop, do a search at www.Google.com and use this as a search argument for water drops...
photoshop tutorial "water drop"
or for just rain...
photoshop tutorial rain
You will discover many tutorials that describe how to create these effects.
I hope this helps.
Here's one tutorial that might be what you are looking for
also if you are using ps (7) there is a rain style in the colour/swatches/style pallette under image effects
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