In this paper, Gabor cosine and sine transform considered as human visual filter is applied to watermarking methods for digital images. Four algorithms by using singular values or principal components of SVD in the frequency domain are proposed for watermark embedding and extraction. Two dimensional image is used as an embedded watermark. To measure the similarity between the embedded watermark image and the extracted one, a normalized correlation value is computed for the comparison of the four proposed methods with various attacks. Extracted watermark images are also provided for visual inspection. The proposed GCST-SVD method which embeds a watermark image into the lowest vertical or horizontal ac frequency band can provide useful watermarking algorithm with high correlation values and visual watermark features from experimental results for various attacks.