Hi William,
There a few options for the scrollbars.
1. The text area widget has scrollbars, but the text within it is not rich text.
2. (Preferred) Put the text in the first state of a dynamic panel. Then right-click on the dynamic panel and use Edit Dynamic Panel->Show Scrollbars As Needed.
3. Put the text on a separate page and use an inline frame widget that loads that page.
There isn't a way to use your own images on those scrollbars though.
If you do want to create your own scrollbar, you could use the images and then create discrete "hot spots" (image map regions) on the bar that can be clicked on to move the scrollbar using dynamic panels and the move panel action. You would need to manage the scrolling text too which I think could also be done using dynamic panels and the move panel action. But there isn't a simple way to implement the dragging of the scrollbar.