Here are two ways to do image rollovers. One is pure CSS and the other uses javascript. You can view them here.
The CSS version uses a background image and the hover is a transparent png with just the text in it.
The javascript version swaps out images on rollover and click.
<style type="text/css">
.image {
height:300px;
width:500px;
display: block;
float:left;
clear: left;
margin-top:20px;
}
.rollover img {
opacity: 0;
}
.rollover img:hover {
opacity: 1.0;
}
</style>
<div class="image" style="background:url(Roscher_Photo_1.jpg);">
<a class="rollover" href=""><img src="Roscher_Photo_1_Text.png" alt="Rollover text" /></a>
</div>
<div class="image">
<a href="Roscher_Photo_1.jpg"
onmouseover="if (document.images) document.imagename1.src='Roscher_Photo_1_Annotated.jpg';"
onmouseout="if (document.images) document.imagename1.src='Roscher_Photo_1.jpg';">
<img src="Roscher_Photo_1.jpg" name="imagename1"
alt="Moving the cursor over the image will bring up an annotated version.
Clicking on the image will bring up the highest resolution version available.">
</a>
</div>