Thanks, you guys, for all the ideas. I didn't have time to follow-through with trukkerz suggestions, since I would have had to redo all my thumbs and mess with settings, but I definitely want to try it in the future.

I did, however, use Steve's advice for another gallery. It works very slick, fast upload of photos and quick settings. Easily inserts into XWD and works flawlessly! See it here http://agapewebhost.com/design%20options.htm (scroll down the page.)

Thanks again...you guys saved me some hair, as I had most of it pulled out!

Matt