Thanks, yes the bottom picture is what I make except the cross is entirely knotted cord also.
http://2.bp.blogspot.com/_oNZuN0CTS3E/SqZwZji793I/AAAAAAAAAEE/bB_DvgRd20c/s1600-h/CHAPLET+PAPER+BW2.jpg
I like beads better than barrel knots, just because.