I still like igal which has been serving me well.

It is template based, with HTML templates. It will produce an index page with thumbnails that are linked to the full size image. If you want to can get it to generate an intermediate size image as a middle link as well, which I think is great - the intermediate can be 640x480 which is just about suitable for modem users, yet the full size can be available for anyone that may want to print an image. (I use it for my family album). It can create a cation file for you so that you can easily add captions, it can change all the files permissions to be suitable for www access.

LJ did a little spot on it.
http://www.linuxjournal.com/article.php?sid=5646&mode=thread&order=0

In the article replys, someone talks about having extended it even further to automate on-image logoing, and more. I haven't played with these later versions yet.