I had a similar question too. The nav bars I was coming up with were not working in my frames page structure. What I finally did was to NOT create a "selected" state for the bar, only mouse off, mouse over and mouse down states. Then you will wind up with one, workable html page and a number of images to feed the one bar.
This may not be what you want, but the selected states were causing me so much trouble it was worth dumping it. Try yours with only the 3 states and you'll see what I mean.
Go to this link to see how I worked around this:
Kittycat Home Page
Stan
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