My first photography site I created myself using html/css. However, I found updating pictures was quite laborious and I was spending too much time at the computer making changes to the site. I've also considered a custom site done by a Web Design company, but found them quite expensive especially with the on-going costs for hosting/support. Since then, I've used ifp3 with great affect, they are reasonably cheap and provide an admin interface which is pretty self explanatory. They have lots of different templates to choose from and also they support Ecommerce, SEO, site stats which is neat. My only gripe is there is a limitation on the customisation of your site such as adding ads etc.