Kathy..Elle is right if you are trying to load pictures the regular way. I haven't tried adding the html for hotlinking images in the quick reply. I know all the smiley faces and other things work. I would suppose that you would just type [img]..insert your image code, then [/img]...you can try it, then we'll know!
Editted to say..yep, it would work as you can see above. The red x is because I didn' insert an image hotlink. You would type in img with brackets around each side, before your image...then type in img with the brackets again, but with the slash in front of the img