Wozers thanks a million. My email server is down right now. I posted a ZIP on my site with some of the default models (so I know they are made correctly) and in the zip is info on the ac3d format and some sample loader code. Its a 200K zip
http://members.xoom.virgilio.it/bricemanuel/ac3dmodels.zip
http://members.xoom.virgilio.it/bricemanuel/ac3dmodels.zip