Perhaps you have seen that every texture can have a _bump _norm or _gloss effect.
Here are some programs and plugins to create those "effect"textures
Gimp:
Bumpmap: Explanation and Plugin
Normalmap: Explanation, Plugin
Other available plugins can be found here.
Photoshop:
NVIDIA Normal Map filter and NVIDIA DDS plug-in: Explanation and plugin
Or use crazybump ... but there is just a demo available.
