Okay, here will be a quick simple tutorial...
[list=1][*]Open Hypershade Window[*]Create a new Lambert[*]Go to the attribute editor (ctrl-a)[*]To the right of Color is a checker box click on it[*]Select File[*]Browse and find your file[*]Now reopen the Hypershade window (your file will be on the Lambert Material)[*]Right click on the material and select Graph Network[*]In the work area you will see the your file with a line connecting it to the final material[*]Click on that "connection" and delete it[*]Middle mouse button click on your file and drag it on top of the final material[*]An option box will appear, click on Bump Map[*]Now your file is on the material[*]Create your object in the scene[*]Select your object[*]Open the Hypershade window, right click your material and select "Apply Material to Selection"[*]Render it[*]Toodaaaaaaaa![/list=1]

I hope that helps...hopefully my layered texture tutorial will be available soon.