Hi Terri! Instead of clicking the image buttons, try typing in the message box. Don't push any button and type the following in your message:
[img] http://wsphotofews.excite.com/007/B1/9B/sU/in57379.jpg [/img]

The only thing you should do differently is take out the space after [img] and the space before [/img]. I put those in so you could see how I typed it, if I hadn't put them in, the picture would have posted.

Hope this helps!