No Upload Tab for Images

Hi,

I downloaded and installed FCK Editor, and have it running in my Drupal installation.
When I insert images, I do not see the Upload tab. I see three tabs: Image Info, Link, Advanced.
Does anyone know why I'm not seeing the Upload tab? I looked through the Drupal forum and it seems to be a problem w/ FCK editor and nothing to do with Drupal.
Any help would be greatly appreciated!

Thanks,
Jill