Paint Shop Pro. I used version 7.04 but if you are familiar with PSP, you should be able to convert the tutorial without problems. You can download the latest PSP version demo here.

My selection files. Place them in your PSP selections folder (or any location of your choice - just remember where you place them). You can download them here.

My preset shape. Place this in your PSP shapes folder. Download it here.

Eye Candy 4000 (optional) to make the arrow. If you don't have Eye Candy, you can download my arrow psp file here.

Step 1. Open up a new image 500 x 300, background color of your choice.

Step 2. Add a new layer. Load selection 1. Flood fill with any color. This is your heart base and you'll be using it as a template to place your flowers. Once you've done that later, you'll delete it. Turn this layer off for now.

Step 3. Add a new layer. Set your foreground color to #CF8692 and your background color to #E9B2BA. Choose your preset shape tool and navigate to the flower shape that you downloaded. Draw a flower about 48 x 48 (watch the numbers in the lower left of your screen).

 

Step 4. Select this flower (go to Edit>Select all>Float). Set your foreground color to #FAF0F2. Choose your airbrush with the settings in the screenshot below. Spray some color similar to mine.

 

Step 5. Choose your retouch tool, smudge brush and use the settings in the screenshot below. Smudge the color around a bit (work from the inside out and be careful not to smudge the color away around the edges). It should look similar to mine below.

Step 6. Set your foreground color to #E4BB55. Add a new layer. Choose your airbrush, same settings as before (except change the size to 10 and the density to 20). Spray a small bit of color in the center of your flower. Turn off all layers except the flower ones and merge them (go to layers>merge visible).

Step 7. Make your heart template layer visible (the layer with the heart shape on it). You're going to just fill the space with flowers. Copy and paste the flower as a new layer, as many times as you wish.

Once you have them in place, you may want to change the shape of some of them. To do this, choose the deformation tool and hold down on the "ctrl" key on your keyboard while you pull out the side or top.

Also, I colored some of the flowers a bit darker, for contrast. I used the variations filter to do this (just hit 2x on the saturation). If you don't have the variations filter, you can use the adjust hue/saturation/lightness feature in PSP (go to colors>adjust>hue/saturation/lightness). Set the lightness and hue to 0 and adjust the saturation up or down as you wish.

Here are the shapesI ended up with.

Step 8. Arrange the pieces as you wish. I also applied an inner bevel to some of them, and a drop shadow to some of them, to give more depth - this is optional though, up to you. If you want to add, just make the flower active and then add the inner bevel and/or drop shadow with settings I've used in the screenshots below.

   

Here's how mine looked when done.

Delete the heart template layer. Turn off all layers except the flowers layers and then merge visible layers. Copy this layer to your clipboard (go to edit>copy). Then undo this step (click edit>undo). Finally, click edit>paste as a new layer (name it "pink heart"). You should now have a merged copy of the flower heart, and you should also still have all the flowers on individual layers.

Step 9. Next, you'll make the arrow to go through the heart. Turn off all layers except the background. Choose your preset shape tool, set to rectangle, line size 3. Set your foreground and background color to anything you like - I've chosen black because it's easier to see - we'll fill it with white later, so this color doesn't matter. Draw a line approximately 400 x10.

Step11. Add a new layer. Choose your draw tool, freehand line, size 3. Set your foreground color to black and your background to null. Draw some lines on the end of your arrow.

Step12. Turn off all layers but the arrow bits, and merge visible layers. Flood fill the arrow with white.

Apply Eye Candy Chrome, and use settings in screenshot below (the bevel profile is "hump"). If you don't have Eye Candy, I have provided a psp file of my arrow, so you can use that.

 

Step 13. Now you need to arrange your arrow as it pleases you. I rotated mine left about 26 degrees.

To get a woven effect, place your arrow between the flower layers (underneath some, on top of others). Here's how mine looks.

Step 14. Make the "pink heart" layer active (the one you merged earlier and turned off). You'll use this as your second heart. Move it to the bottom, on top of the background but underneath all the other layers. I changed the saturation of the color of mine using the variations filter. You can do the same thing using PSP (go to color>adjust>hue/saturation/brightness. Set hue and brightness on 0 and adjust the saturation as you wish

Step 15. You'll notice that the arrow is exposed on the red heart (i.e., not woven). To fix this, just make any of the pink flower layers active. Copy and paste it as a new layer and arrange on top of the arrow over the red layer. Then change the saturation to the same thing you did for your red heart. Here's mine.

And that's it. Add a drop shadow if you wish. Save as a master psp file, with all layers intact. That way you can go back and change anything later as you wish. Then, hide the background layer and merge all the other layers together. Save as a psp file. Done!