I created this template using the photographs shown.
The frame image is sized for 8 x 10 and 300 ppi.
New photos can be easily inserted and in the layer stack
right above the original ones.
(new images have the visibility turned off to help visualize their position )

By saving template layers such as this, most everything
is editable for specific applications.
When a new image is inserted above the original group scene,
the adjustment layer clipping mask link is broken, so I reapply the clipping
mask from the layer menu. This glitch could probably be corrected.
The adjustment layers aren't totally necessary, but allow fine tuning either
image to blend with the other. Other adjustment layer types could be substituted or added.

The previous image http://www.pbase.com/filer/image/55037168 illustrates steps to create the frame shape.