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Dreamweaver 4 has allows simple flash creation or you could probbably find some 3rd party software that just does banners.
I was at the Macromedia site and they had a program to generate flash for a few hundred bucks, is it worth the price? Not sure if I can afford it. I'm just an experimenter. I would like to play with flash but it looks like its not with in the play budget. Thanks, and I'll keep looking around.
Unless you want to get really serious, it'll probably do you
One option to consider is taking a computer design course or two at a local community college or technical school, and buying software with an educational discount. It can be much cheaper that way, and taking a class may be just the thing to get you started.