Image with Text via API, is there a way?

[John VV]

I've been trying to create an ad with an image and some text.  I was able to do this in the AdWords UI (using the Ad Builder [templates]) and then pull the data down with the API successfully. 

However, when I try to create a new templateAd, I get the following errors:

AD_FORMAT_NOT_SPECIFIED

INVALID_TEMPLATE_ELEMENT_FIELD_TYPE

I using templateId = 380 and building it via the API libarary with the templateAd object.

Is this possible?  If #380 isn't supported that is fine, I'll take any template # that can accept a small image and some text that can be used on the Display Network.

If templates can't be used via the API for the Display Network (which I very much hope they can), then what are my options?  Coding a static image w/ text?  Flash?

Thanks

-John