I came across this free java application called JAlbum which I have been trying out and it seems pretty cool. It generates all the HTML required and displays the EXIF data, includes various templates (customizable), handles captions (inside or outisde of EXIF data) and is fast. Obviously you will need web space to store the final product.
Here's the URL
http://www.datadosen.se/jalbum/![]()
Dialdn.

