What about Keepandshare.com? It's free. I've had an album over there since 2007. It's loaded with a bunch of other features such as a To Do List, Calendar, etc.
Anyway, you can setup a free account. The only catch (but it's not really a catch) is that people can only view your photos IF they have an account also.
In other words, the person has to be considered a "Friend". Then, in order for your "Friend" to see your photos, you have to have their email address setup in your "Friends" folder. So, it's kinda like a password indirectly. This way, anonymous and crank people don't leave dumb comments about your hair or body in your album.
So far, I have only signed up Keisha8185 as a friend. I don't know of any other way LHCF can use this as our new album without giving out our personal email address.
What I did for Keisha8185 is used her fotki email address. That way, we don't give out personal emails/information willy nilly.