Well, I use PhotoShop 7, and if you click "Save for web" then click Optimized, then under Settings, change it to GIF, this makes it a smaller file size.
And to get the picture above your display picture, put the picture you want in the "main_bg" then, after you upload all the graphics, edit the stylesheet, and change the Padding to 375, I think it is. Just keep trying different sizes, and previewing, but I'm sure its 375.