Here is the tex source. Some notes about the code follow.
\documentstyle[epsf]{article}
\begin{document}
This is the last line of text before Figure 1, an array of labelled
sub-figures, begins; this line shows the right and left margins.
\begin{figure}[hbtp]
\vspace{9pt}
\centerline{\hbox{ \hspace{0.0in}
\epsfxsize=2.0in
\epsffile{one.eps}
\hspace{0.25in}
\epsfxsize=2.0in
\epsffile{two.eps}
}
}
\vspace{9pt}
\hbox{\hspace{1.35in} (a) \hspace{2.10in} (b)}
\vspace{9pt}
\centerline{\hbox{ \hspace{0.50in}
\epsfxsize=2.0in
\epsffile{three.eps}
\hspace{0.25in}
\epsfxsize=2.0in
\epsffile{four.eps}
}
}
\vspace{9pt}
\hbox{\hspace{1.35in} (c) \hspace{2.10in} (d)}
\vspace{9pt}
\caption{ This Figure contains four panels labelled (a), (b), (c), and
of course, (d).}
\label{sub-fig-test}
\end{figure}
Here is the line of text after Figure \ref{sub-fig-test}. It is indented
because of the leading blank line.
\end{document}
\hspace{} following
\centerline{\hbox{... tweaks the horizontal
position of the
Figures. Sub-figures (a) and (b) are centered because of the
\hspace{0.0in} while sub-figures (c) and (d) are offset by half
an inch by including \hspace{0.50in}.
\vspace{9pt} calls.
\hbox{\hspace{1.35in} (a) \hspace{2.10in} (b)}
after placing the sub-figures. The numbers, 1.35in and
2.10in are just trial and error guesses at the centers
of the sub-figures.