Sounds like you are having trouble with tga files. Follow this advice from another thread, works well. If all else fails, search the board for tips, lots of them here
Try making png's and import, and listen to Koasati below!
#5 by Wizop Koasati - 10/2/2003 5:40:54 PM
To import a png file, you first select the image you're replacing/updating.
Right-click the image, or use the drop down list on the Import button, and select Browse for image....
Find and select the png file, you will see a po-pup asking if you want to replace the existing image with the import. Select yes.
The image is imported and converted to tga.
Be sure your transparency and translucency are both enabled.