You cannot access a local directory from pl/sql. If you use bfile, you will setup a directory (create directory) on the server where Oracle is running where you will need to put your images.
If you want to insert a handful of images from your local machine, you'll need a client side app to do this. You can write your own, but I typically use Toad for this. In schema browser, click onto the table. Click the data tab, and hit + sign to add a row. Double click the BLOB column, and a wizard opens. The far left icon will load an image into the blob:
SQL Developer has a similar feature. See the "Load" link below:
If you need to pull images over the wire, you can do it using pl/sql, but its not straight forward. First, you'll need to setup ACL list access (for security reasons) to allow a user to pull over the wire. See this article for more on ACL setup.
Assuming ACL is complete, you'd pull the image like this:
declare
l_url varchar2(4000) := 'http://www.oracleimg.com/us/assets/12_c_navbnr.jpg';
l_http_request UTL_HTTP.req;
l_http_response UTL_HTTP.resp;
l_raw RAW(2000);
l_blob BLOB;
begin
-- Important: setup ACL access list first!
DBMS_LOB.createtemporary(l_blob, FALSE);
l_http_request := UTL_HTTP.begin_request(l_url);
l_http_response := UTL_HTTP.get_response(l_http_request);
-- Copy the response into the BLOB.
BEGIN
LOOP
UTL_HTTP.read_raw(l_http_response, l_raw, 2000);
DBMS_LOB.writeappend (l_blob, UTL_RAW.length(l_raw), l_raw);
END LOOP;
EXCEPTION
WHEN UTL_HTTP.end_of_body THEN
UTL_HTTP.end_response(l_http_response);
END;
insert into my_pics (pic_id, pic) values (102, l_blob);
commit;
DBMS_LOB.freetemporary(l_blob);
end;
Hope that helps.