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Can you 'trap' a 404 error to return something 'nicer' in a formula?

Hi, I'm getting going on formula fields and had a question I can't seem to find asked on the forums here yet.  I have a Formula field, Photo, that essentially assembles a URL based on the client's name.  Works fine except for when the file isn't there (ie, we haven't uploaded a photo for them yet).
Is there any way to 'trap' the "The page cannot be found", HTTP Error 404 returned, so that instead of an ugly missing image icon (white with red X), I can display an image of my choosing (ie blank pixel, or "no photo taken yet" image).
Any help is greatly appreciated!