Ahhhh, finally my background in 3D work is actually helping out!
A bump or normal map (not technically called a texture, but it is a laymans term) changes the positions and directions of the Normal vectors. This essentially does nothing more than changing the way light effects the surface.
Gormons example is perfectely fine. By using those 2 together on the head texture and the head bump map, you get a much more 3D look. It can be used to make things seem a lot more realistic (especially when combined well with shading, for example the very hard "differences" in the 3D aspect of most Robotic head textures. A little normal mapping and suddenly it can improve the image 10 fold)
Normal maps can be difficult to make though, but with free 3D apps (like Blender 3D,
www.blender.org) hanging around the place the job can become a LOT easier.