Before you say anything, this is the first thing I have done in Photoshop CS, and its the first time in about a year I tried anything like this.
But I made thsi simple Banner to show what oyu might want to try.
I put a Black border on the whoel outside, then with the color theme I had going at the time(black and white, really basic lmao), I put a small White line inside the Black. I used the white line to mainly seperate the upper left box and hte lower right box. I then jstu used that black and white on the text that was selected, makign 2 of the same thing, giving it a shadow look. Nothing complex, and rather simple, but it has the essentials, shows what the site is for, and easy to read. If I had soem font fiels besides default, it woudl had looked better. Also, if it matters, I woudl drop the FOrums part unless its a direct link to the forums, but then agian you coudl drop the FORUMS text, or make it small and move it.