Some MATs created for Poser 4 are missing info, usually two "0 0"'s near the texture references.

Though this will work in Poser 4, it will not in the Pro Pack or Poser 5 which is a bit more strict about the syntax.

Maybe I misunderstood, you're not trying to load a Poser 4 figure texture on Don & Judy are you?

-Jeff