A new tool for creating photo albums is jalbum. You can create your albums online or download the application for creating and saving on your computer, to be published where you wish. The jalbum site gives you 30MB of free space. If you want/need more than that you'll have to upgrade and pay for additional space. There are several default 'skins' [album designs] and more are being created daily for free download. If you have questions, check out their FAQs.
Recommended by Aleksandra Blalteberg, who created this album and this album as samples.
App available for: Windows, Macintosh, Linux, and iPhone.