Paula said:
I want to switch pictures with "on mouse over" and create an effect
"on page load"
I certainly don't see why not?
I found a defintion of DHTML which says something like "HTML + Javascript".
You can put as much HTML which calls Javascript as you like.
The "on page load" effect can be achieved by
<body onload ="loadfunction()">
where loadfunction() creates the effect you want
Switching pictures is done with
<img src = "........." onmouseover="switchpic()">
where switchpic() swiches the picture for you