Actually, you can create great looking frames for all your digital images, not just your holiday snapshots. I've spent part of the day playing with ImageFramer 3 from Apparent Software, a Mac utility that allows you to create frames and mats to give you just about any style you can imagine. If you don't want to choose from the more than 400 that come with the program, you can create your own using patterns you make in a photo editor like Photoshop. Or you can modify any of the frames that are already in the library.
There are some really thoughtful features, like allowing you to change the color of the workspace you you can visualize what the image would look like hanging on a wall. You can also create shadow effects that make the frame look like a physical object interacting with directional light.
I tested the pro version, which sells for US $69.95. It's not priced for the casual user. but it is very powerful. I was able to create a variety of compelling frames and mats without ever having to consult the help file. Once your frame is created you can save it out as a JPG, TIF, or PNG file.