Overlaying transparent image with text on top of background image

I have a background image I use for my site i’m building and I want to use it a few times but i want different text overlayed on top depending on the page.

What i did in Photoshop CS2 was to create a new image with a transparent background but when I overlayed the image on top of the other, i get a white think border where the drop shadow is.

How do I remove this horrible white stroke/border so it looks like one complete image.

I’ve added the images so you can see what i mean

In Photoshop, I would go back to the blending options/layer style and check that you have not added a stroke to the image.
Or add a white stroke and see if it removes the black line.