Thanks for your quick response.  When I change the code to represent that, I am now getting an error that looks like this in the viewer:
http response status: 200
Fault code: Client.CouldNotDecode
Fault info: Error #1085
Fault details: null
If I remove the last line of code in the example you supplied me with: </layer>, the error disappears, but I return to the point of not being able to get a pop-up window.  I know I'm doing something wrong.  Any further help is really appreciated.  Thanks.
Edit:  I got it to work!  Thanks!  For some reason when copied and pasted just that line of code: </layer> from the original xml file that had the demographic data in it as an example it did not work.  But if I copied the whole layer data from that demographic layer, and then just modified it to fit my needs, it worked!  Thanks for your help Robert!  In addition I have one more question...  So in that particular map service there is only the one layer and that layer would have a default sublayer value of "0", correct?  In addition I am also bringing in other map services as operational layers that have multiple layers within them, ie: a secondary water map service that has valves, turnouts, pipelines, drains, etc.  How do i determine which number those are?  Should I start with "0" and move my way down the layers as they are organized in the map service mxd?  Thanks again for your help.