Ok,, i have made clip maps for leafs... Some time back.
I used photoshop so i will explain a little in that part.
I first turned the image of the leaf i scanned into a grayscale. and adjusted it a little to get the bump, spec maps.
Then you can levels it and somewhat get a translucency map... ok my spellings is off.. Hehe
Then you can take the bump... use magic wand or anything you are comfatable with... Fill it with black or white... then make sure you turn the contrast to max.... So that the edges look pixelated. You might want to expand the selection by 2 pixels before fill and contrast. This then will be the clip map.
Ok, by now i know you want to see the leaf... Ok its on the other machine.. If i go back to use it... I will try to post the different maps.
Here is the leaf. Just 1 poly. If needed to animate.. I will just add more divisions.. And the deformations good too.
Good Luck.