I've not been able to get either .3ds files to correctly display their textures when used more than one bmp.
For instance, I created a cube in 3ds Max R4, detached two faces, texture mapped the them (each with seperate textures) and then exported the whole cube (now with two detached, texture mapped faces of course) out as a .3ds file.
Upon loading and displaying the .3ds cube the textures were completely wrong. One of the faces of the cube showed the correct texture (although it was rotated the wrong way around), and the other faces were lacking their textures.
I can send you the cube if you'd like.