Can anyone recommend easy software that has templates to enhance my pictures for albums or webpages? Thanks

Simple viewer is a good easy to use, free, album viewer. I just haven't figured out how to put it in a web site yet. But I have seen it done.
http://www.airtightinteractive.com/simpleviewer/

I use JAlbum for my web pages - it has several templates that can be customized. It is easy to use.

Roger