Ok now since BUM maps works, little advice to Albert and others, how to make bump maps the way they look in a game (may be achieved with different software but result here is correct and its fast and easy and free):
Download XnView FULL, use it open original texture, go to EFFECTs > EMBOS then set colors 256 shades of gray, then INVERT COLORS (this will simply inveter highlihts and shadows of bump) save under name of original low res bump map.
Now open with Paint.net or photoshop, and set transparency to exactly 50% or 127 of 255 and save as TGA with alpha channel or DTX5 DDS,
Its really importan to invert colors to change direction of hihglights!
This is important note: not matter how texture looks now, in fact RE4 usese alpha \ transparency only to set intensivity of gloss\spec map and bump map. If you will set transparency to 100% (making texture absolutely invisible, but make sure texture is still there and only alpha makes it invisible) effect will shy like supernova, and with 0% transparency i think effect is totally disabled or very minor. By default all bump textures has 50% transparency, but you can play around with it.