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Do this same process for each fill and imported photo to create the clean box effect.

After you've done each of these...say you want to move the order of them. Just link each of the two elements together and hold down Shift and drag it up until it rests on top of the layer where you want it to be.

 

Now link the other two layers and with the moVe tool drag it down where the other one was.

Choose one of the fill layers and add some layer effect: stroke to it. Here we've bumped the effect up so it is visible with 300 dpi and used white as the stroke fill on Inside because it's nice and clean.

 

Now you can drag the effect to each of the fill layers to duplicate it.

 

Here is where you should be about that right now.  Get this actual .psd file for free when you sign up for the PSDer ezine or from the iPSDirectory in the Photoshop Designer Package of goodies.

Drag in another image at the proper size or transform this layer as long as it is at a higher resolution. Do the clipping mask/group again with the taller vertical fill layer (making sure it's placed right above it in the L palette).