I agree those programs are good for it. This topic hasn't been locked yet, so maybe others have been looking at it as well.
Flash is fine to create a quick banner in. Be sure to make use of its Filter options as well btw(In most versions its in properties > Filters > ) Glow, Bevel, etc, work well.
Just wanted to share that since it hadn't been mentioned yet. Hopefully that helped a bit =].