I think your main-class is wrong. You're specifying the symbolic class name, as you would in code. So it should be just TheSwarm_v23, assuming that's what your class is called.
If that's the case, the applet is probably failing to load from the .jar at all; not sure why it is falling back to the individual files.
Here's a tiny example you can run from a command line that tries to determine the URL for a single resource.
If you run make.bat, you can then run it with:
Code:
~/tmp/jartest $ java -jar simple.jar
jar:file:/Users/ben/tmp/jartest/simple.jar!/simplejar/res.txt
That's the correct URL as you can see by listing the file:
Code:
~/tmp/jartest $ jar -tf simple.jar
META-INF/
META-INF/MANIFEST.MF
simplejar/hello.class
simplejar/res.txt
Note that I put the res.txt in the same directory as the class; that's where getResource looks first for a plain resource.