$Ads = array (
'http://www.germanshepherdhome.net/testadbanner1.jpg',
'http://www.germanshepherdhome.net/testadbanner2.jpg',
'http://www.germanshepherdhome.net/testadbanner3.jpg'
);
$body = <<<EOF
$Ads[mt_rand(0, count($Ads)-1)]
EOF;
might work
Remember array index starts from 0 there

Also, i'd recommend (if i were you) to put your banners in something like /forums/images/banners directory. That way you don't clutter up your site's root dir.. if you do, you'd need to modify the URLs above, but you get the drift
