It initially seems a little confusing jhubbard but after a couple of tries it gets really easy.
Try using a blinn material and when you look at the material attributes it'll have a 'bump' field. Click the icon at the right and import your bump file. Then you might need to mess with the bump level to get the desired height.
For the specular map it is a very similar process. Again with a blinn select the icon to the right of specular color and choose the file you have created. Give the scene a render and you should have a bumped+speculared image
I haven't tried diffuse or displacement yet but I'm sure they aren't voodoo either (...he hopes