load ms3d buffer count error

Newbie & Debugging Questions
#1

I am loading an ms3d file (milkshape) into an LWGJL app and without texture it loads and runs great. WIth texture I get the following error;

java.lang.IllegalArgumentException: Number of remaining buffer elements is 4096,
 must be at least 12288
 at org.lwjgl.BufferChecks.checkBufferSize(Unknown Source)

hmmm…I am lost! lol

EDIT: found out if I use a bmp created from Fireworks, this error happens. If I use a bmp from Paint Shop Pro, I get no errors, the model loads and displays, but no texture.