Hi Linda. I'm not familiar with paint shop, but if you've got photoshop, have you tried useing the individual pictures that form the one main pic, and make a new layer based on the original individual chosen pic (the hair area) and use either the majic wand or the magnetic lasso to select the exact area you want, and then make a new layer to work with, for changing the hair color etc.? Useing the seperate layers, you can go back and blend it all in, rasterize and so on to get the effect you want.
Here's a couple of pretty useful links with tutorials and tips to help. You might find what you're looking for there.
http://www.planetphotoshop.com/tutorials_effects.html
http://www.absolutecross.com/tutorials/photoshop/
Hope that helps out some
