Abstract: An on-line system is disclosed for enabling and maintaining a plurality of separate user specific versions of a user configurable electronic textbook. The textbook includes a template stored in a master database table and an associated user specific database table for storing personalized subject matter. The template may include certain images and textual content as well as subject matter organizational outline. The system allows a user to upload images to the system under a specific heading of the organizational outline in the template. The images can be annotated and stored in a user specific database. The user specific database is not accessible to other users of the on-line system. Thus, users may create a personalized electronic textbook. In one embodiment of the invention, the administrator can upload images from the various users to the master database table so that those images can be made available to other users.