But I have found a program to create, normal, displacement, occlusion and specularity maps.
it's really an easy program to use, and I think it would be good for beginners.
Nvidia Photoshop plugin is probably better but also harder to use, I think.
It's called CrazyBump and the demo can be downloaded free here: http://www.crazybump.com/
you only have the free demo in 30 days (i think). There is a Tutorial in the link ^^
but thats it