First make sure you understand layers:
http://www.simmerspaintshop.com/foru...photoshop.html
Have black as the active color and fill your layer with black using the bucket tool.
Next select white as the active color and use the Type tool. Select the font you need and click where you want the text to appear. Now start typing.
When done you can select the Move tool (right top of the tool window) and drag the text to the place you want it when you feel it is not in the right place.
