Once JoeUser goes through its speed/architecture overhaul we plan to offer premium accounts for users.
One of the features will be photo albums. Here's an example of what they'll be like from what we are about to launch on WinCustomize.com:
http://frogboy.wincustomize.com/photos.aspx
The adding of photos is really the key though. It's incredibly slick -- a built in ActiveX control (soon to be Java) enables me to see thumbnails of images that are on my hard drives and select as many as I want, type in the captions quickly and then press a submit button where it'll put them up.
Eventually we'll enable it so that you can allow (if you want) people to comment on photos and such.