In Paint Shop Pro 8 (the program I use) the bevel effect can be found in Effects > 3D Effects > Inner Bevel

Or, GIMP also has a bevel function. And if you go here:
http://www.cartographersguild.com/ho...ack-edges.html

...In the second post, Jacktannery posted the link to a much better bevel script, along with installation instructions.