Oh, my bad. I was setting it up as to where you were using a database to store the files, and not using an iframe.
Try something like this then:
$file = "http://www.mytemplatestorage.com/banner.php";
if(file_exists($file))
{
echo "<IFRAME src='http://www.mytemplatestorage.com/banner.php?aff=dougholt&cols=3&rows=1&skin=19&sp=0&type=wt&category=11' width='540' height='240' align='center' frameborder='0'></IFRAME>";
}
else
{
echo "Site temporarily down. Sorry for the inconvienance.";
}
The reason that $file only equals up to the banner.php, is because all the variables that follow are, I'm sure, due to change.
As long as the banner.php page exists, then you should be fine.
You can modify that code if you want.
-Blake