I work for a hosting provider, so I just use a regular hosting account, then install a script like Coppermine or Gallery. My coppermine script is throwing errors on the homepage right now, which I have to try and fix.

My daughters site uses Gallery: http://www.jholgate.com/gallery

We use that site to share pictures of our daughter with my family back home in England. They can download the original size etc. Plus Gallery has an awesome upload tool called 'Gallery Remote' which installs on your computer and is a simple Drag / Drop interface for uploading files and creating new albums etc.

I just registered xtisite.com, which will be my main photo site for pics taken with my Rebel XTI, once I get it up and running.