Okay, I managed to get the logo changed by creating a merged image from logo.jpg and logo-top.jpg, modifying it then splitting it up. However in doing this I discovered what I think is a bug.
I created a different logo for the default color scheme and for the blue scheme. I put the blue pieces (logo.jpg and logo-top.jpg) into the blue folder and put the default pieces (logo.jpg and logo-top.jpg) in the root of the images folder.
Everything is fine if I use the default scheme. However, when I switch to the blue color scheme, the logo is screwed up. Apparently logo-top.jpg is always accessed from the root of the template’s images folder regardless of the color scheme chosen.