If you are using PSP you can use your magic wand tool and click inside the photo box. This will put marching ants in the photo space (leaving the corners out) and you click to copy your photo then right click and PASTE INTO SELECTION...go to selections...select none and thats it!

Not exactly sure how to do it in the 50 other programs I have (PS, PSE, DIP and many many others) Because I personally tend to stick with PSP I know more in that one LOL!!

But the same basic idea should work!