Apple OL color #c00000
Stem Ol color #2d1b0d
Leaves OL color #008000
Open 150 x 150 new image transparent.
Name raster 1 Apple OL and follow the outline for the apple, stem and leaves.
Place your worm on a new layer and name worm OL and follow the outline for the worm.
Place the red ring around the worm on a new layer and name ring and follow outline.

Now make the apple layer active by clicking on it and close all other outlines by clicking on the eye for that layer.
With your apple outline color we are going to close the apple so we can fill it.
Click on the last red and then hold your shift buttone and click on the other last red pixel and this will close the apple.
With your magic wand click inside the apple and fill with color #f62817.
Selection-float
Effects-3d effects-cutout and use these settings.
v=2
h=0
100/10
color #c00000
Now activate your airbrush with these settings
circle size=5 hardness=10 step=72 density=30 thickness=100 opacity=100 blend=normal
color #ffc5c5
Click once in the lower left side.
Now lets fill the stem.  Magic wand and click inside the stem, making sure you catch the stray pixels.
Fill with # 9a5d30
Selection-float
cutout with these settings
v=0
h=0
100/5
color # 2d1b0d
Now the bottom leaf.  Fill with color #93ef93
selection-float
cutout with these settings
v=-2
h=0
100/7
color # 008000
Top leaf fill with same color and use these cutout settings
v=2
h=0
100/5
color #008000
Now we need to close the worm so we can fill it.  With the same color you used for outline close the worm by following the the red pixels from the ring untill closed.  We will fill each ring separatly, starting with bottom ring. 
Click inside and fill with color #9a5d30.
Selection-float
cutout settings
v=-1
h=0
100/5
color black
Next ring fill with same color and use same cutout settings.
Last ring fill with same color.
Cutout settings
v=-1
h=0
100/2
black for color
Face fill with same color.
Cutout settings
v=0
h=0
100/5
color black
Now time for animation
Need 4 apple layers
close the bottom apple layer, this is frame 1
close the top two layers of the apple which leaves 1 apple layer open
Need 3 ring layers
leave 1 open
Need 3 worm layers
Now for one the worm layers we need to erase the bottom ring.
Next worm layer we need to erase the two bottom rings.
We will leave the last one as is.
Now to put the animation together.
Open just the apple and then close it. Frame 1
Open the next apple layer, ring layer and the worm layer where we erased the two rings.
Place your worm down near the ring layer so that most of the brown color is close to the ring.
Your ring layer should be above your worm layer.  Some of the worm wil be below the ring, just erase this and then merge together.  Frame 2
Close that layer.  Now open an apple layer, ring layer and worm layer where we erased one of his ring.
Place just like we did before and erase what shows below the ring layer.  Merge these layers.   Close this merged layer.  Frame 3
Now open apple layer, ring layer and the worm as whole and if you want text then add and merge these layers.  Frame 4
should be at the top.  Now open all the layers and save in psp form and open animation shop.
Now we are going to set the frame properties for each frame.
Frame 1 should be set at 20.  Highlight frame 1 and go to animation then frame properties and set to 20.
Hightlight frame 2 and 3 by holding down the ctrl key while clicking and set the frame properties to 30.
Frame 4 we will set to 95
Highlight frame 2, 3, 4 by holding down the ctrl key while clicking. Now go to edit and copy then go to the last frame and highlight and then paste after frame.  Now highlight the last 3 frames and  go to animation and click reverse frames.
Now run your animation and make sure all is well and then save.
Hope you enjoyed.