//  browser detect (works for Netscape4)
if (navigator.appName == "Netscape") {
  if (navigator.appVersion.substring(0,1) > 3) {
    browse=1;
  }
}

if (navigator.appName == "Microsoft Internet Explorer") {
  if (navigator.appVersion.substring(0,1) > 3) {
    browse=1;
  }
}
// create image objects and pre-load images
if (browse == 1){
        about_us = new Image(171,26);
        about_us.src = "/images/main_nav/about_us.gif";
        about_us_over = new Image(171,26);
        about_us_over.src = "/images/main_nav/about_us_over.gif";
        personal_banking = new Image(171,26);
        personal_banking.src = "/images/main_nav/personal_banking.gif";
        personal_banking_over = new Image(171,26);
        personal_banking_over.src = "/images/main_nav/personal_banking_over.gif";
        loans = new Image(171,26);
        loans.src = "/images/main_nav/loans.gif";
        loans_over = new Image(171,26);
        loans_over.src = "/images/main_nav/loans_over.gif";
        insurance = new Image(171,26);
        insurance.src = "/images/main_nav/insurance.gif";
        insurance_over = new Image(171,26);
        insurance_over.src = "/images/main_nav/insurance_over.gif";
        business = new Image(171,26);
        business.src = "/images/main_nav/business.gif";
        business_over = new Image(171,26);
        business_over.src = "/images/main_nav/business_over.gif";
        member = new Image(171,26);
        member.src = "/images/main_nav/member.gif";
        member_over = new Image(171,26);
        member_over.src = "/images/main_nav/member_over.gif";
        student_center = new Image(171,26);
        student_center.src = "/images/main_nav/student_center.gif";
        student_center_over = new Image(171,26);
        student_center_over.src = "/images/main_nav/student_center_over.gif";
        applications = new Image(171,26);
        applications.src = "/images/main_nav/applications.gif";
        applications_over = new Image(171,26);
        applications_over.src = "/images/main_nav/applications_over.gif";
        news = new Image(171,26);
        news.src = "/images/main_nav/news.gif";
        news_over = new Image(171,26);
        news_over.src = "/images/main_nav/news_over.gif";
        contact = new Image(171,29);
        contact.src = "/images/main_nav/contact.gif";
        contact_over = new Image(171,26);
        contact_over.src = "/images/main_nav/contact_over.gif";
        fac = new Image(171,69);
        fac.src = "/images/main_nav/fac.gif";
        fac_over = new Image(171,69);
        fac_over.src = "/images/main_nav/fac_over.gif";
		fac_lg = new Image(123,95);
        fac_lg.src = "/images/main_nav/fac_lg.gif";
        fac_lg_over = new Image(123,95);
        fac_lg_over.src = "/images/main_nav/fac_lg_over.gif";
        member_login = new Image(103,9);
        member_login.src = "/images/main_nav/member_login.gif";
        member_login_over = new Image(103,9);
        member_login_over.src = "/images/main_nav/member_login_over.gif";
        icon_about_us = new Image(58,42);
        icon_about_us.src = "/images/main_nav/icon_about_us.gif";
        icon_about_us_over = new Image(58,42);
        icon_about_us_over.src = "/images/main_nav/icon_about_us_over.gif";
        icon_students = new Image(60,42);
        icon_students.src = "/images/main_nav/icon_students.gif";
        icon_students_over = new Image(60,42);
        icon_students_over.src = "/images/main_nav/icon_students_over.gif";
        icon_forms = new Image(45,42);
        icon_forms.src = "/images/main_nav/icon_forms.gif";
        icon_forms_over = new Image(45,42);
        icon_forms_over.src = "/images/main_nav/icon_forms_over.gif";
        icon_contact = new Image(55,42);
        icon_contact.src = "/images/main_nav/icon_contact.gif";
        icon_contact_over = new Image(55,42);
        icon_contact_over.src = "/images/main_nav/icon_contact_over.gif";
        icon_home = new Image(46,42);
        icon_home.src = "/images/main_nav/icon_home.gif";
        icon_home_over = new Image(46,42);
        icon_home_over.src = "/images/main_nav/icon_home_over.gif";
}
function switch_on(imgName) {
        if (browse == 1) {
        imgOn = eval(imgName + "_over.src");
        document [imgName].src = imgOn;
        }
}
function switch_off(imgName) {
        if (browse == 1) {
        imgOff = eval(imgName + ".src");
        document [imgName].src = imgOff;
        }
}
// okay, we're done with the stuff that shouldn't be shown -->