PENETRATION WARNING AREA; HEADING DEVIATION.

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ON A FLT FROM DEST; FL; TO MELBOURNE; FL; JAX CENTER ADVISED THAT WE WERE PENETRATING W-470A THAT WAS HOT. WE WERE SUPPOSED TO BE ON V521 AT THE TIME. WE IMMEDIATELY TURNED TO 080 DEG AS INSTRUCTED BY ATC. OUR #1 NAV INDICATED US TO BE ONE MARK N OF V521. WE SET #2 NAV THE SAME AS #1 NAV AND GOT THE SAME INDICATION. WE THEN FOUND OUR MISTAKE HAD BEEN OUR FAILURE TO 'EXCHANGE' THE FREQS IN THE RADIOS. CROSS CITY 112.0 HAD BEEN INSERTED; BUT W/O THIS EXCHANGE WE WERE TUNED TO PANAMA CITY 114.3 WITH THE CDI SET FOR CROSS CITY R289. THE MISTAKE WAS COMPOUNDED BY SETTING #2 FREQS THE SAME WAY INSTEAD OF GOING TO THE CHART AND USING 112.0 FOR CROSS CITY. IT IS SURPRISING THAT A MISTAKE OF THIS KIND WOULD HAPPEN AFTER HAVING USED THE NEW RADIOS FOR 66 HRS OVER A 4 MONTH PERIOD. WE HAVE DECIDED TO THINK OF THE FREQ EXCHANGE ACTION TO BE PART OF THE FREQ SET TASK AND NEVER TO CONSIDER THE FREQ INSERTED UNTIL THE EXCHANGE HAS BEEN MADE. THIS SHOULD PREVENT THIS KIND OF MISTAKE IN THE FUTURE. COMPOUNDING THE MISTAKE COULD; OF COURSE; BEEN PREVENTED BY ALWAYS GOING TO THE SOURCE OF THE INFO.