All digital files, jpeg, or raw require some level of post processing, to achieve film like appearance. this technique is a combination of Smart Objects and the High Pass Filter*. A word of advice, I have NOT used this technique on a print, only screen images, which require different approaches I'm told.
First process your image in your favourite raw processor. Next, duplicate the background layer twice. Now, convert each layer to a smart object. On the top layer, apply the high pass filter at a setting of about 30-50. On the next layer, convert the image to b&w, using black and white converter in image>adjustments. Apply the high pass filter again, this time however, at a much lower setting, say around 1.5 to 3. Now change the layer blending mode to soft light on all layers above the original background layer. hey presto a crisp image with the kind of acutance we've become accustomed to from our years of film use.
The original image
The finished image.
Uploaded with plasq's Skitch!
*This technique requires Photoshop CS3, Kent Johnson first showed me this idea, I've tweaked it slightly, as I'm sure others will have.
Less is more, as always, be careful, not to go too far overboard with the sliders, but if you do if you've used smart objects you can edit the setting at a later date, on the un-flattened file. So even without CS3, you can simply apply the high pass filter to the image directly, and the results will be the same, but you won't have the infinite undo-ablitiy that the smart objects allow.