I am a her but that's ok

Sledger,

the advice was incredibly helpful, even though I still can't get an image to work. A couple of things that don't seem right....
I have a folder on my desktop called Website. In that folder I have 3 folders
1. index_htm files
2. webtest_htm_files
3. webtest_web_files.

the two htm folders contain the same images and Xara has renamed my images and given them all numbers.
This website is not published and I don't want it to be until I am done so I am not sure how the tip of Ctl. Shift Alt will work.
Given the setup of the files (see above) I used this bit of code and still no image.

<img src="index_htm_files/205.png">

Sorry this is so confusing I am new to web design, I don't know a whole lot and I am almost ready to give up on my idea.