Welcome to the Guild Tobin! Fractal Mapper is one of the few cartography programs I actually wish I owned. A2area has a wonderful tutorial on how to create maps using a combination of Fractal Mapper, Wilbur and Photoshop. If you don't have Photoshop, you can use GIMP instead. Both GIMP and Wilbur are free. At any rate, have fun mapping, and feel free to post up a WIP in order to seek feedback.

Cheers,
-Arsheesh