Although you are in the worng forum...
All you really need is photoshop, and it is quite simple. I can't really explain how to do it, since it's different in different versions of photoshop.
I recommend asking in the Player Questions forum.
You will find everything you need to know Here .
ooops wrong forum.
Thanks Angel!
Virtue: Sistah Powah, Afrodizziac, NeutronBlonde,Distortionist,IonMaiden,BlindFaith,M adwoman, Vital Signs,Yzzorrdrex,Diesel Mage, Defend, Glasshouse,Rescue I, Bootytrap, The Experience, AE Virus, Drawback, Daytime, Nighttime, Chamberwraith, Invincible Ink, Monster Mitts, Hex Object, Hexperiment, Frightningbolt, Spooky Deville, Scream Weaver, Cackler, Shocktopus, Ogrekill,Road Hazard,Fahrenhate,Duotherm,Black Lung, Horrorculturalist,Foulmouth,
No problem, remember, the Guides are your friends. From posting, to base building, you can pretty much find it all there. 
i wanted to try and make an avatar that would scroll through headshots of my characters.
Does this take some programming/html/tech knowledge or can any knucklehead with a few extra hours do it?
Virtue: Sistah Powah, Afrodizziac, NeutronBlonde,Distortionist,IonMaiden,BlindFaith,M adwoman, Vital Signs,Yzzorrdrex,Diesel Mage, Defend, Glasshouse,Rescue I, Bootytrap, The Experience, AE Virus, Drawback, Daytime, Nighttime, Chamberwraith, Invincible Ink, Monster Mitts, Hex Object, Hexperiment, Frightningbolt, Spooky Deville, Scream Weaver, Cackler, Shocktopus, Ogrekill,Road Hazard,Fahrenhate,Duotherm,Black Lung, Horrorculturalist,Foulmouth,