What you need:
This tutorial was written for Paint Shop Pro version X but any version with vectors can do the job! Actually, with a few more Steps, hearts can be created without vector tools, so any version of PSP will do!
You'll also need a Preset Shape in the form of a heart. If I remember correctly, no heart shapes are provided with PSP X. My shapes for all PSP versions are grouped together in the same folder and I can't remember for sure which shapes came with which version. So I've included one here for download... just in case! This heart shape was provided by Jasc in a previous version of PSP. Download and unzip into your Preset Shapes folder. This shape is in the new .PspShape format. PSP 7 and older won't recognize this format.