Do you know how to order layers?
Move the one you want on the top (text) to the highest in the layers pallete.
Keep the background the image you want as the background.
Then each frame should be in the middle for the animation.
Once all of the frames are complete, jump to imageready. Open the animation pallette. Set the text and background visible the entire time. Make each frame visible one at a time and make sure you set the right time inbetween each frame.