Ok, take a look at your project folder. Does the directory 3d appear in there? So, you should have your exe and program code alongside your folder called 3d, which includes the file test.tga.
An easy way to check is simply call dir, from within your program and see what files come up. It really sounds like it is working from a different directory to me, and everyone else by the looks! Just make sure the files are exactly where they should be in relation to your code.
Also, and this can be a severe pain in the rear end, sometimes if you copy files across to the standard project folder when using win 7/vista systems say from your art package directly. It saves them, you can see them within the program. Look in explorer or in DB though and the files do not appear. You have to physically copy them across into the folder manually. Best bet imo is to make a folder other than the standard one, on the c drive called DBprojects or such and use that for projects. Cuts out a lot of admin/security nonsense.
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