Oh my word, it's like the heavens opened up and angels sang when I clicked again and saw my whole forum skin working!!!!
www.alabamachristianmoms.com

Thank you SO SO SO SO much, everyone - what a wonderfully helpful and encouraging group!
Here's what I did - downloaded the free SmartFTP program (LOVE it, tho I feel a bit like a NASA engineer watching it all rolling along..lol ), then in my admin cpanel, double checked the image paths (3rd big block down) against the SmartFTP open in another window. I thought it was all kosher, then realized the images were in an "upload" folder that wasn't in the image path.
I added "upload" to the image paths, but it still didn't work. So I right clicked on the "x" where the images should have been on my forums, to see what the scripted image path was, obviously did not include "upload" on there, so I went back to SmartFPT and did a super simple drop and drag move of the folder where I'd uploaded the images, to match what the script image path said. Viola!
I made these fresh for you all!