Where the link is output in the templates, put in a conditional. Here's the pseudocode. Something along these lines. I didn't check what variables you would actually use. You'll have to take a look at these templates:
forumhome_forumbit_level1_nopost
forumhome_forumbit_level1_post
forumhome_forumbit_level2_nopost
forumhome_forumbit_level2_post
forumhome_subforumbit_nopost
forumhome_subforumbit_post
Code:
<a href="forumdisplay.php?f=$foruminfo[forumid]">
<if condition="$foruminfo[forumid] == FORUMID">
<!-- show banner -->
<img src="path/to/image.jpg" alt="" />
<else />
<!-- show regular link text -->
$foruminfo[title_clean]
</if>
</a>