if you just want simple photo pages you probably don't want to spend any money on software, the good thing about HTML is you don't need any special software, the code for doing something like you're suggesting is simple to learn, all you need is a text editor, I used to use Notepad. I learned HTML by going to other web sites and looking at the code on those pages, that was much simpler in 95 than it is now because of new code technology, but it's still pretty easy to learn.
the Microsoft Developers Network has all the code you would need to do something as simple as you 'd like to do.
and if you want, I can help you