how to insert the text in image
There a lots of articles in CodeProject about Steganography.
A quick search will give you over 20 articles: ->
here
Have a look at
this article first, I think it is perfect point to start.
If you want something for Java, then check out these tutorials:
1)
http://www.dreamincode.net/forums/showtopic27950.htm
2)
http://www.developer.com/article.php/3530866
You can find more info on the Steganography topic using Google. :)
I hope this helps!
Regards,
Nuri Ismail