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When you say banner, I'm assuming you mean the logo, since that is what you've added and what is causing the little red "x". If that is the case, you added your logo in the wrong place. You added it above the head tags.
Remove the line you added at the beginning of the file...
<image src="images/sc10.jpg">
Look for the following code:
<td id="headerlogo"><a href="http://www.stop-n-crop.com/Forums/"><img src="http://www.stop-n-crop.com/Forums/themes/default/logo.gif" width="150" height="80" alt="" />a>td>
Replace that code with this code:
<td id="headerlogo"><a href="http://www.stop-n-crop.com/Forums/"><img src="http://www.stop-n-crop.com/Forums/images/sc10.jpg" alt="" />a>td>
Hope this helps.
James
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