The bg's ok, and on the whole, i'd say the banner was probably a fair bit better than my first ever ps tutorial, so I wont be too critical.
A bit of advice though, as you can see on the left hand side cut of pic his right hand is cut off and it's kind of considered that you shouldn't use a flat line like that unless your putting it against the edge of the banner.
Text does suck though, far too plain and you cant see the black over the black in the bg.
Also, your cuts look like they've been resized and there out of shape. In future when resizing cuts hold down the alt key (or the shift key i can't remember ).
For future banners I'd reccommend trying blending modes with your cuts and text.
yeah I agree it looks like you messed up resizing the pics the bg is cool but if your not good at text effects do what I do Outline it with a different color. And you should of put the vince on the left hand side on the right hand side of the banner because his hand is cut off.