Over the past couple years I have had several online photo albums, some free and some paid. I have now consolidated all them into a new online photo album at gallery.elguru.me using the application is Zen Photo. The application is free, but does require a web server/hosting account which supports PHP and MySQL.
The initial installation was a bit of challenge even with my knowledge of setting up applications it did take a little work getting my all PHP settings adjusted. I was also a little taken aback that I had to manually update the configuration file with my database server settings before I could run the install. I am use to other applications that do this for you as part of the install. However, once it is installed it is was very easy to use and customize.
Theme installation was fairly simple, just a matter of downloading the theme then uploading via FTP into the themes folder.