Thanks, Parson, TL Rese.
Covers: I actually make mine myself using GIMP (
http://www.gimp.org/), which is basically just a free version of Photoshop. It takes a little while to get right and I throw away quite a few covers that don't work.
If you're looking for fantasy artists, you can try Deviant Art (
http://www.deviantart.com/) and see if you can commission someone from there. You could also try a place called iStockPhoto (
http://www.istockphoto.com/) if you're just after a background and can do all the typography stuff yourself