Ok! Got this to work.
This is for .jad's/.cod's from OTA installation files.
Changed the name of the application.cod to application.zip. (I've noticed that some .cod's don't have hidden .cod's-or they are locked)
I then extracted the 4 .cod's contained in the .zip to the media card along with the .jad.
I then modified the .jad to include the sizes of each .cod (as listed in the winzip extract list
and the names of the .cod's
Hope this helps someone. It's a way to install OTA apps with no data plan and without Desktop Manager. It's also another way to backup the 3rd party apps (although, it obviously doesn't backup the app's data.)