First, kudos to all of you for suggestions and insight. I didn't expect to find so many helpful replies! Really, thank you.
I believe you all answered my question (I just have to digest it first... I'm still very new to this), but just in case I wasn't very clear let me try to explain it this way:
I'm trying to create a framed painting to hang on my wall at home. I created a basic prim and applied an Art Painting texture to it. Next I wanted to apply a Frame texture to it, however the frame replaced the art, showing ony an empty frame.
I believe I understood from the replies that I can't apply two textures to the same prim though. I'm assuming I'll have to combine them with something like Photoshop if I'm attempting to put both textures on the same primitive, yes?
Again, thank you all for the very helpful replies!