What is the ClassNotFound exception that is thrown in
the status bar of your browser.
BTW are you using swings in your Applet...

it just says quizapplet not inited. then says loading java applet
failed and i'm using swings in there

The prop is with the browser not able to understand
the Swing component. I think you need a browser plugin
to get the Swing components to load. I also assume
that you are using the IE browser and IE browser uses
the Microsoft VM that seems to not understand the
Swing classes...

Check this URL

homepage.tinet.ie/~pugsleypaul/java/applets.htm