How to embed a block (with title) in a template file?
http://drupal.org/node/26502 - A nice write up on displaying a block using code. There are a couple of examples toward the bottom that show displaying the entire block (including the subject).

One in particular you could try, using Drupal's theme() function:

&lt;?php
    $block = (object) module_invoke('[target_module]', 'block', 'view', "[target_block_ID]");
    print theme('block', $block);
?&gt;