Then you can try this one
Code
<table style="background:url(http://ifrype.com/img/g/alb.jpg) no-repeat" width="126" height="122" border="0" align="center">
<tr>
<td align="center">
<a href="$PHOTO_URL$" title="$PHOTO_NAME$::$PHOTO_DESCR$"><img style="padding-top:15px" src="$PHOTO_DIRECT_URL$" width="100" height="80" align="center" border="0"></a>
</td>
</tr>
</table>
Image
http://ifrype.com/img/g/alb.jpg
EDIT just made up new one 
Here is all code for Appearance of photos entries in Photo album
Code
<table align="center" border="0" cellpadding="0" cellspacing="0"><tbody><tr><td style="padding: 3px; text-align: center;">
<table style="background:url(http://movieholic.ucoz.com/Stuff/images/folder.png) no-repeat" width="176" height="172" border="0" align="center">
<tr>
<td align="center">
<a href="$PHOTO_URL$" title="$PHOTO_NAME$::$PHOTO_DESCR$"><img style="padding-top:15px" src="$PHOTO_DIRECT_URL$" width="140" height="120" align="center" border="0"></a>
</td>
</tr>
</table>
<?if($CAT_NAME$)?><?else?><?if($MODER_PANEL$)?><div style="padding-top:1px;">$MODER_PANEL$</div><?endif?><?if($COMMENTS_NUM$)?><div style="padding-top:1px;"><a href="$COMMENTS_URL$">Comments ($COMMENTS_NUM$)</a></div><?endif?><?endif?></td></tr></tbody></table>
Looks good, you can check it out here http://movieholic.ucoz.com/photo
