The forest tutorial at: http://www.j.b.allen.btinternet.co.uk/tutorials.html shows a way to make stumps out of terrains. Just make them like the background tree trunks but shorter. :) Or use the stump making software available for free at: http://www.shapemagic.com/products.htm. For a bare branched tree, niandji put one in freestuff not too long ago.