Hey John,
iwebalbum
free download, find it thru a web search.
makes a photo album with thumbs of the size you choose,
instantly resizes all images, optimizes them.
you can then add captions if you like.
This auto-generates small pics linked to the larger pics.
It then saves to the folder you designate
so you can upload the entire folder to your website.
Also has SlideShow embedded in it.
Here's an example.
http://www.davesfiles.com/Critters/Daytona2009
Hope this helps.
dp