Can you do the following with a Java ResourceBundle?
In the properties file...
example.dynamicresource=You currently have {0} accounts.
Struts have a nice util called MessageResources which does exactly what you ask for....
e.g.
MessageResources resources = getResources(request, "my_resource_bundle"); // Call your bundle exactly like ResourceBundle.getBundle() method
resources.getMessage("example.dynamicresource",accountCount,param2,...);
Limitation It only allows maximum of 3 parameters (i.e. resource attribute, param1, ..., param3).
I suggest using MessageFormat (if you want to use more than 3 parameter values) as suggested by David Sykes.
PS the getResources method is available only in the Struts Action class.