JAlbum, Web Photo Album Generator
I used an excellent and free peice of software to create my first web album, called JAlbum. It is very easy to use, and very powerful. And it also comes with many web-templates.
All you have to do is create a directory to represent your album root on your website. Then build your photo hierarchy using subdirectories in that root directory. Run JAlbum, giving an output directory. Once it is done, it can also publish it to your site.