Here is the commands to load bmp's into your back ground
I have used BLACK.BMP and a filename Replace the filename with the custom files you wish to use and keep them in your mirc dir unless you create a dir to keep them in. Then you need to edit the $Mircdir
Tool Bar
/background -l $mircdirblack.bmp
Switchbar
/background -h $mircdirblack.bmp
Main Background
/background -mt $mircdirblack.bmp