what I don't understand is this:
Are you saying that I create the image...upload it to the FTP server and then, let's say I do want to put it in my email signature, or on Myspace or anywhere...I would type in the code that Groove provided and when it appears for someone else, instead of seeing the code, they see the image/banner and because of the formatting within the code, all they have to do is click and it can direct them to a website?
Yes and no and yes, I think.
Once the image is uploaded to your server, there are various ways you can display it, as you suggested. I can't help you with the e-mail signature, because it's been years since I used anything but web-based mail.
If Myspace allows you to use HTML, then you're good to go with code that groovicus posted. Otherwise, you might find instructions at Myspace telling you how to post an image with a hyperlink (clickable link).
Most forums use board code, which is similar to HTML, and is often specialized, depending on the board software involved. And even more confusing, the code used for putting an image into your signature on a forum is often HTML. So, what I'm saying is that the code is really dependent on where you want to post the banner.
Just so you know, many boards don't allow people to link to commercial sites in their signatures or otherwise, so you'd also need to check the rules of any board where you might want to post it.
Ummmm..... does that help any?