Jommy99 - so this worked, I got Pandabank up and the application opened without error.  BUT. I am not seeing my pandacoins... (yikes!) I'm not sure why it's not picking up the wallet.dat file that I have in there. I made a few copies of this file, so I'm not worried that the wallet (pre-install) is missing.  The wallet.dat file shows 5.4 mb on my mac, so it shouldn't be empty.

Anyone have suggestions on how to get the pandabank to see my coins and previous transactions?

Thanks!!