If you are in gnome you can do what was posted above, or you can also go to a terminal and type: gnome-theme-manager and go through the install buttons and do it that way. You can also drop your theme into ~/.themes and then use switch2 (for gtk2 themes) or switch(for gtk themes) and then select your theme that way. switch2 is a very nice app to have around for changing themes. You can also edit your ~/.gtkrc-2.0 file to read something like the following:
# -- THEME AUTO-WRITTEN DO NOT EDIT
include "/home/hawkwind/.themes/H2O-gtk2-Ruby/gtk-2.0/gtkrc"
include "/home/hawkwind/.gtkrc.mine"
# -- THEME AUTO-WRITTEN DO NOT EDIT
You can also use switch/switch2 and/or this file to set your fonts as well. I don't have an example of that or I would surely post it for you.
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Hawkwind