Sepia 101/lite?

I would like to convert some standard jpg images to sepia. Problem is
the only tools I have at my disposal are an old version of Paint Shop
Pro (4.x - lacks layers or a standard sepia button), and Irfanview
(lacks a hue adjustment).

I know that in the past I've created some great sepia looks using
Irfanview, but I can't remember what I jiggered with and how (probably
some combination of rgb settings, greyscale, maybe saturation?).

Could someone give me some pointers on getting a good sepia look using
those settings:

- rgb
- gamma
- brightness/contrast
- greyscale
- saturation, maybe hue
- anything else I've missed