  We extend the Golec-Biernat-W\"usthoff model for virtual photon - proton
scattering to include the resolved photon component explicitly. The parameters
of the resolved photon component are taken from the literature, while the
parameters of the dipole-nucleon interaction are fitted to the HERA data in a
selected limited range of $x$ and $Q^2$. A good agreement with experimental
data is obtained far beyond the region of the fit.
