Just yesterday I watched this photoshop elements tutorial for masks.
www.photoshoproadmap.com/links/go/9154
It made it really easy. I downloaded some free brushes that have some Disney style ie. a tree, a pixie etc. from Obsidian Dawn to use to create the masks and voila! Disney masks! I am planning to make some masks as a challenge prize. Lots of luck and I hope this helps. Best Wishes, Roni