Sign the applet so it might have local file access (if the user trusts the applet)
Use htmlconverter in the jdk/bin directory to convert your html code so it
uses object tag instead of applet (so it's run with the msjvm).
Use URL and URLConnection to get the file and File to save it to the client.
Example of URL
http://forum.java.sun.com/thread.jspa?threadID=645830
3rd post
For file google for java almanac and check out some samples there.
Still problems?
A Full trace might help us out:
http://forum.java.sun.com/thread.jspa?threadID=656028
Signing applets:
http://forum.java.sun.com/thread.jsp?forum=63&thread=524815
second post and reply 18 for the java class file using doprivileged