Try using one of the opensource cms systems. They have a ton of user-created modules that can be added to your site easily.
An example - Xoops has seven different image gallery modules listed on their site. I noticed one of them even had an e-card feature.
Hope this helps.
J
Mambo/Joomla have a huge database of modules. Check out
www.mamboforge.net. Go to the project search and type in 'gallery'. You'll see a few results.
btw, Mambo/Joomla and Xoops can be installed through the Fantastico script which appears to be standard in most hosts now.
Also, Fantastico has Gallery, Coppermine and 4ImagesGallery. I've never installed these before but most everything in this script is simple to install. Just a few clicks and some options.
Cheers
J