ok i can see that babyduck is getting a little frustrated here so let me explain what he means!

go to photoshop and create a new pic 512 x 512. Then flood it with white. Then make a circle selection in the middle and flood this black. Then save this as a tif.

Now go to maya and create a nurbs plane. Now goto fur>>attach fur description. you should see some fur sticking up from the plane. Now (with the plane selected) goto fur>>paint attributes>>option box. From here set the fur attribute to baldness.

Now in the paint menu find the tab baby duck mentioned called "map". Click browse and find your map that you created earlier. Open it up. Your fur should now look like the map with now fur where the black circle is you may need to hit reload to get it to work 100%