As Evil pointed out, there's the Amitysource userbar generator, which I found a while ago. There's also a bunch that you can find that work online, but the downloadable one is easier to use, in my opinion. Though nothing can beat making them yourself (or requesting one from someone), because you can customize 'em however you want.
I just borrowed a few userbars and used them as a template on Photoshop...
Umm... Are you sure that is the right URL?Spoiler: Your source for home improvement (click to show/hide)
It hasn't been booting up on XP, so I haven't been able to create anything really good. (That's the computer with all my files... )