Thanks for the help guys, but I tried all three and NONE of them worked for me!
- The one from Motobit.com requires the server to have the Office web component "Chart" on the server - mine doesn't, and I don't know who would have it. I've never heard of it before and all the different web hosting providers I've found have never listed it as an "included feature" or whatever.
- The one from tipstricks.org is GONE - it's there, but the people who ran/maintained it stopped doing so and there's no support files of how to install and implement the CAPTCHA they provide.
- The one from U229.no requires me to build an .asp page for the form - I can't use an .htm page for the form.
I also found one called iCaptcha - which runs an interface that will build a CAPTCHA, uses a .swf file to display the generated image, and provides the code to run it. However, you have to build your OWN .asp form handler and add the code to their .asp page that handles the results after you hit "Submit".
Any way I turn, either the captcha won't work with FrontPage forms or it requires programming knowledge on my part. Since I'm not a programmer nor have I the interest in learning a programming language at my age, I'm screwed.
The hackers and programmers have RUINED the simplicity of the Internet!!!

Maybe I should pursue a career in photography instead! I find that much less complicated than today's Internet site building!