Years ago, 2003 to be precise, before I switched from silver to a DSLR we had a little digital point and squirt for just snapshots of the kids and stuff. In retrospect that little 2.0 megapixel camera had a lot of the qualities of a toy camera, or at least a cell phone camera.
I snapped this image up on Jalama Beach on CA's Central Coast October of 2003 and found it while rummaging around for other stuff. The composition is good, the basic image is grainy to start with, pixelated colors that look like traditional film grain when viewed large and was already for a little run through CS5 to finish off the "toy camera" look that I am so enamored with at the moment.
I took the basic image and used "filters">"Lens distortion" and cranked up the vignetting, added a little chromic aberration then adjusted the curves to darken the blacks a bit and lighten up the center ranges.