Photobucket
Image shack
Pho.to
Photofunia

are websites I've used in the past to create my 'masterpieces', which don't get much more technical than applying pilot sunglasses to Cracky before loading into Meme Generator. If you want to shoop like the big boys do, get a cracked copy of Photoshop or download GIMP for free. But the sites above will do the black & white easily, if that's all that is needed.