see the thing is ppl probably taking pics with digi cam or phone and at a high resolution suitable for print.
Even with a compression like jpeg file sizes often exceed 1meg per photo.
If your photos are meant to be seen on screen the the person should really rescale to 72dpi and your file size will be around 100 to 300k depending on the actual dimensions of the photo.
So when you click on photo the browser will have to download it and the VB software will resize it until u click on it again to get full size image. so your net speed etc will all play a factor.