corrupt.jpg (in my post above) was the one that will open but has an error message.
The JPG in this post, corrupt2.jpg, is the one where I wrecked the headers.
Scratch that!!! Apparently the upload tool for PHPBuilder won't let me upload the image if it's not a valid JPG. Too funny,
Anyway, to make a JPG corrupt, find a text editor that will edit binary files (like vi) and open the file, do some damage, and then save the file. If you had a Windows machine, I suppose you could try FTP'ing the file to another server in ASCII mode. That should wreck it pretty badly.