I have been using the "Create Web Gallery" feature of Adobe Photoshop
Album.
It creates thumbnails (of varying sizes you can select) and puts them in
a grid (styles you can select) on htm. pages that have forward/back
arrows.
Clicking on a thumbnail gets you a page with a full sized photo, from
which you can go forward or back in "full size mode".
This lets me show off all or "a bunch" of photos w/o building the pages
myself.
If I have my own web pages w/text or whatever and want a photo or
thumbnail, I just use the ones already created and drag 'em in.
hope this is useful to folks.
-ceej