Rick,
The banner is just an image.
For it to become a clickable link, there has to be some html data linked to it.
I can easily generate the data through Photoshop but in say a forum, it would not normally show up.
<html>
<head>
<title>Sarasota Koi</title>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
</head>
<body bgcolor="#FFFFFF" leftmargin="0" topmargin="0" marginwidth="0" marginheight="0">
<!-- ImageReady Slices (Sarasota Koi.psd) -->
<a href="http://www.sarasotakoi.com/"
onmouseover="window.status='Sarasota Koi'; return true;"
onmouseout="window.status=''; return true;">
<img src="images/Sarasota-Koi.jpg" width="800" height="240" border="0" alt="Sarasota Koi"></a>
<!-- End ImageReady Slices -->
</body>
</html>
Once you uploaded it to your server, then you could probably create a link to it with text as follows...
http://www.internationalwaterlilycollection.comBut for it to be an image put on a page or forum, it would have to have some html data attached to make the jpeg a dynamic link.
Oh by the way, the code above will not work on the images I put up as it directs to another test image of a different size.
Tim