OK, I tried both Simon and George way and neither seemed to work. Let me back up and tell the story and then you can tell me what I'm doing wrong.
I backup my America Hearts SACD to Flac files. Once I have those flac files in a folder (folder is named same as album title), I then find a picture of the album cover, save it to the same folder and name it literally "front" and save as a .jpg.
When I play those flac files in foobar, the album art is displayed.
I took those same files and folder and dropped onto a USB memory stick. Plugged into the front of my Oppo 103 and they play just fine, only no album art is displayed. I even turned off the gracenote feature and still it didn't display the art.
So, based on that, it seems that no matter which way I leave it, no album art.
OK gang - what do I need to do differently to see the front album art through the Oppo via USB?