We present the microlensing optical depth towards the Galactic bulge based on the detection of 99 events found in our Difference Image Analysis (DIA) survey. This analysis encompasses three years of data, covering ~ 17 million stars in ~ 4 deg^2, to a source star baseline magnitude limit of V = 23. The DIA technique improves the quality of photometry in crowded fields, and allows us to detect more microlensing events with faint source stars. We find this method increases the number of detection events by 85% compared with the standard analysis technique. DIA light curves of the events are presented and the microlensing fit parameters are given. The total microlensing optical depth is estimated to be tau_(total)= 2.43^(+0.39/-0.38) x 10^(-6) averaged over 8 fields centered at l=2.68 and b=-3.35. For the bulge component we find tau_(bulge)=3.23^(+0.52/-0.50) x 10^(-6) assuming a 25% stellar contribution from disk sources. These optical depths are in good agreement with the past determinations of the MACHO Alcock et al. (1997) and OGLE Udalski et al. (1994) groups, and are higher than predicted by contemporary Galactic models. We show that our observed event timescale distribution is consistent with the distribution expected from normal mass stars, if we adopt the stellar mass function of Scalo (1986) as our lens mass function. However, we note that as there is still disagreement about the exact form of the stellar mass function, there is uncertainty in this conclusion. Based on our event timescale distribution we find no evidence for the existence of a large population of brown dwarfs in the direction of the Galactic bulge.
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