First of all you might want to reconsider putting your images in a separate jar file. Is this really necessary? There might be some gee whiz factor in being able to change the look of the application by swapping in a new images.jar file, but ask yourself if this is a real requirement.
Here is sample code for loading an image outside of an Applet:
Toolkit toolkit = Toolkit.getDefaultToolkit();
URL imageURL = this.getClass().getResource("/images/myimage.gif");
Image image = toolkit.createImage(imageURL);
Keep in mind that the path you use to access the image file ('/images/myimage.gif' in this example) is relative to the classpath you defined when you started the JVM. So, if you defined your classpath to be:
and your image was in one of these jar files at '/images/myimage.gif', then the code sample above would load your image.
[This message has been edited by Ashley Tate (edited November 10, 2001).]