<?php
$cat13 = get_option('kt_resim');
$cat14 = get_option('kt_video');
$post = $wp_query->post;

if (in_category(array( 0 => $cat13 ))) {
      include(TEMPLATEPATH.'/category-image.php');
  } elseif (in_category(array( 0 => $cat14 ))) {
      include(TEMPLATEPATH.'/category-image.php');
  } else {
      include(TEMPLATEPATH.'/category-default.php');
  }
?>