DX9 - Drawing on texture from file

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Is this possible? I'd like to:

1) Load a texture from a PNG file (D3DXCreateTextureFromFile or
D3DXCreateTextureFromFileEX) with a full mip-map chain.
2) Lock the surface
3) Draw some text on the image
4) Unlock the surface
5) Have DirectX regenerate all the mip-map levels with the new image

Everything I've tried so far has resulted in one of two things:
A) The text is only visible on the largest mip-map level, or
B) All mip-map levels but the largest one are gone (black?)

Thanks.