For the Saratoga template, a banner image can be added to header.php (not top.php) by changing
<h1 class="headerTitle">
<a href="index.php" title="Browse to homepage"><?php echo langtransstr($SITE['organ']); ?></a>
</h1>
to
<h1 class="headerTitle">
<a href="index.php" title="Browse to homepage">
<img src="header.jpg" width="100%" alt="<?php echo langtransstr($SITE['organ']); ?>" />
</a>
</h1>
where the image is named 'header.jpg' and it is sized to match the width of your template (800 px for narrow aspect)