Hi Cloudhands,
You may find it worth looking at www.jalbum.net. Their software is very simple to use for building albums of photographs and if you use the 'skin' called 'Chameleon', it has a built-in Paypal shopping cart. I've incorporated it into my website because it lets me build a large gallery quite quickly. There is also a very helpful forum which can give you any help you need. (The rest of the site is built with Serif Webplus but I'm not quite finished yet. It appears to be going OK but we shall see...)