Try viewing this tutorial and see if that will help you with preloading images.
CLick here for tutorial
if that no good, then try searing google "prelaoding html images" and it will bring up 100's of results.🆒
Also, if you have fireworks you can create the images in fireworks, export them as images files (when exporting be sure to export the imaged AND html) then open the exported html and insert the html into the website. Fireworks automatically writes the preload using javascript and all that. If you dont have fireworks, you can downlaod a trial version from macromedia.com
Hope this helps,
Todd