Hi misstheresa2009. Welcome to the forums.
Unfortunately, Photoshop maketh not the web! It creates pretty pictures that have little to do with anything on the web, because, as you've seen, a form is not a picture. It's better to start from the basic code and then apply styles to that. As kohoutek's examples show, you can create that look with CSS alone, thanks to newer developments in CSS3. You can also use images to an extent, but only in small doses.
If you Google "CSS3", "form", "jQuery" and perhaps a dose of "sexy" thrown in, you'll find a lot of tutorials online.