It's so old, but I still love WS_FTP LE as an FTP client. It's simple and uncomplicated, yet can do everything I need. I've tried newer FTP clients and just find they make things more difficult than they need to be.
http://www.oldversion.com/WS-FTP-Limited-Edition.html
First you'll need to create an FTP account through your Cpanel, if you haven't already.
Once you have that, open up WS_FTP, and hit connect.
Host Name/Address:
www.whatever.com
userid:
Demented@whatever.com (or whatever you chose as your FTP account user id in Cpanel)
password: whatever
Put a checkmark beside 'Save Pwd' (to save your password)
Hit Apply, and then OK. You should now be connected to your server via FTP.
And now you're basically just looking to upload two files to your server.
File 1 - index.html
What gets displayed when you go to
www.whatever.com
Use the code Rathji posted. Replace URL with the name of your picture (whatever.jpg) if it's in the same directory as index.html
File 2 - whatever.jpg
Your pic.
Upload both of those files via FTP, and you should be good to go.
To upload files, just browse to your local computer's directory on the left hand side of WS_FTP. Double click on a file to upload it.