!! That's a lot of "stuff" there in your htaccess file!
Well, I'm afraid I don't know what the top portion is all about, but your allow URLs seem to be fine. Hmmmm, I don't know why you're not able to see the images in your "created" sub-directory cgi-bin (when my sample seems to work for me).
Someone who can read the top portion of your htaccess file may have to help you with that, to see if maybe that may have something to do with anything. You're using FrontPage, so I don't wanna tell you to remove things at the top section that I don't know about which may be needed for FP.
If nobody can help you further, then the only solution for you is to take your images out of the cgi-bin and just redo your links (as Danielle