Ok i have looked and i could not find a tutorial on how to put text over a image on a website, im sorry for posting this but i am a noob at webdesign so any help would be greatley appreciated.
Welcome to the photoshopforce.com forums. Actually once the template/layout is designed, you need to do what is known as "slicing and coding" the layout. This is where you need basic knowledge (at least) of HTML with a touch of CSS. Slicing and coding isn't really something you can sit down and "figure out" in one sitting, it takes time, patients, and a little elbow grease.
Here is a great site dedicated to getting you started on slicing and coding - using Dream Weaver MX/2006/8 to make it a whole lot easier.
[link] that was created by the owner of pixel2life.com
Best of luck to you.