I cut out 3 apples from some country looking fabric, and turned the edge under and placed them in the center of the towel. Then I slipped the stem pieces under the apples, and the leaves in place. Then I hand stitched the pieces in place. For the apples and leaves I decided to do a blanket stitch with 3 strands of embroidery floss. I then sewed on the border fabric. I cut it 5 inches wide by the length of the towel. I stitched the back side of this border on the towel, then folded it to the front, turned the other edge under and top stitched in down from the front side.
For the embroidered trim between these two pieces, I used the tutorial found HERE. For the crochet border I used the tutorial HERE. Here is the results: