k well it is not my tutorial BUT this tutorial was very very well explained and i really had the need to share it with Crystal XP.
"http://www.andreibilan.blogspot.com/2006/11/create-realistic-ice-effect-in.html"
All credit and thanks given to creator of the tutorial: Andrei Bilan, An Adobe Certified Expert
Please show some of your work for others to see and enjoy
This is what i have come to create with this tutorials aid (along with some tweaks and additions):