What software is great for Framing or Matting ?

I have seen some excellent examples here. I have Picture-It 99 but I am just a beginner when it comes to framing or matting 2 coin images. I am only interested in framing or matting both the Obverse and the Reverse. Anyway, I was just practicing tonight and this is what the completed project looks like. But I am not very satisfied with the outcome. Like I said, some of you guy's are excellent at this. What software do you use ?.

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John Reich Collectors Society
Capped Bust Dimes
I use Picture-it as well. I don't need much besides croping and pasting. I have a template made out to the size I want using their .png file extension and then save as a .jpg file 200 dpi for the web.
Edited to add: no mat or background here, I just wanted to show off a neat coin which just went to a new home.
Love that background JustBustDimes!
Leo
The more qualities observed in a coin, the more desirable that coin becomes!
My Jefferson Nickel Collection