Both Photoshop and comic life are good programs.

While in photoshop you can create custom word balloon, sound effects and dialog boxes, you have to make the "page" templates by making the panels and adding a 1-2 pixel stroke.

Comic Life, you just drag what you want and choose from a library of premade comic page templates.

You can go either way.

3D Digital Comics & Art/My homepage
http://www.edgeversemedia.com