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The manual on Keyframe was very confusing to me! Maybe someone can answer this:

To perform a slow pan on a single layer of animation, I can use Keyframe effect to move the image around. But I don't know how to set one frame for it to start, another for it to end and have the image gradually pan from one to the next. Probably I'm stupid but could you give me a clue?

Notice the little square with the "C" in the right of the Keyframer panel? Click once and it creates a key in the actual frame.(It changes to "D" then which is for "delete" a key.) Go to another frame, change your bitmap's position, and create another key. If "Preview" is checked, you can control each frame.