Joomla! Discussion Forums

I have both JCE and JoomlaFCKer installed and both work fine.  But when my users want to add an image, then have full access to all of the images in Images folder - many of which I do not want members to use or have access to.  I would like to set one editor for members and another for administrators and then restrict the folders that the member editor has access to.  Let's say members use JoomlaFCKer. How can I restrict the Insert Image option to a specific folder (Member Images).  Thanks in advance for any ideas or suggestions.  - Rick