OK, here we go ...
$d = getdate();
$h = $d["hours"];
if(9 <= $d["hours"] && $d["hours"] <= 17){// 9-5 inclusive
echo "<img src=\"image_1.jpg\">");
} else {
echo "<img src=\"image_2.jpg\">";
}
Place the above exactly where you want the image to go (in between php tags, of course).
Change the image attributes accordingly.
You may need to correct $h by the number of hours difference between your server time and your local time, if necessary.