>have 3 layers.. top layer would be the girl cut out with no
>backgroud, second layer would be the girl, and the third layer
>would be the whole picture of the girl with the locker
>background

you take the original photo and make a new file with a clipping path around the part you want to show up in front of the logo. (i.e. in your example you don't need to draw a clipping path around the entire girl, just around her head.)

Then in Quark or indesign or whatever you first place the original photo, then the logo, then the clipping path file on top. the clipping path file only needs to be her head plus a little extra around the sides. then align that file perfectly on top of the original photo when you bring them into your layout (or Photoshop) file.