Check out our local tutorials forum here on
http://www.ryandor.com/forum/viewforum.php?f=11&sid=68dff57edb7a1c97e421e5505c395d65
It will do the trick.
In short (sorry its late here) you need a program to paint the bmp file. Id recomend Photoshop, its lovley. Second, you need a compiler and for that I cant recomend anything else than punt's Worldmaker Suite. Its awesome (and you'll find it here on this site).
If im not mistaken, there is a tutorial on Worldmaker over at the
http://www.runuo.com forums, just click on "community" and find the tutorial section there. Not sure, but it might be posted here too.
Hope it helps a bit mate. I'll try giving you some more pointers when I have some more time. Oh, and dont hesitate to ask questions. We are here to help (althou it has been rather quiet here recently).
For regions I belive there is a very neat program/tool over at runuo.com called XMLregions or something like that. Havent got that far yet so I cant say
Still working on finetuning the map and planing IG systems ^^
Best of luck