Thanks everybody for your answers to my questions so far. :)  I've got one more question now:

"Minimum 2 .psd layers, 1 containing all the fonts (and any lettering) and at least 1 for the images."

So, if you are the winner, you will submit 1 file with many layers, correct?  I'm working with Photoshop, so I can put in as many layers as you want.  Should I create a seperate layer for each banner, and then a seperate layer of any lettering on each banner?  That way, you could easily work with all the files quickly and seperately.

Thanks for the help. :)
-Brady Mac