Of course it would be between your header which includes your site menu and the photopost menubar.
The first thing called by photopost is a header and then the menubar.
You want the header which incorporates a site menubar then the banner then the photopost menubar.
What I posted above does it exactly
Take your universal header and replicate it to another file using a php structure and do what I posted. It will work.
The way you have it now the welcome user is above the banner
The way you describe above is how I saw it between your two menu's is what you said
If you want it between the menubar template of photopost and the cathead or indexhead templates then at the bottom of the menubar.tmpl do this
find this at the bottom of menubar.tmpl
$ppclose<br />
replace it with this
$ppclose<br />
$ppopen
<tr>
<td width="100%" colspan="2">
PPPRINT;
include( "path/to/media/ads/include.php" );
echo <<<PPPRINT
</td>
</tr>
$ppclose<br />