Charles,
Here is a quick way to do what you are looking to do...
From a fresh install of Internet Explorer (yes, most people use it) go to Tools, Internet Options, Content, Certificates.
From there, view both the Trusted Root and Intermediate Certificat Authorities. Those listed there provide certificates that "automatically" authenticate to the trusted Certificate Authority (CA).
Before getting slammed by the Netscape fans, that browser offers the same sort of cerificate viewing, so for the best coverage, choose a CA that is listed as trusted under both.
For other than e-commerce applications, you could use a lesser known (and cheaper) CA, including an internal one--> because people would not necessarily be trusting you with their money, only that you are who you say you are.
Hope this helps, and good luck.
Nikk