Yep, you'll need a server-side scripting language like PHP to allow that along with a database setup.
Free Photo Galleries:
http://www.cooliris.com/yoursite/express/
PHP Photo Album / Gallery: http://www.phpalbum.net/
Tiny Web Gallery: http://www.tinywebgallery.com/en/download.php
Coppermine Photo Gallery: http://coppermine-gallery.net/
Gallery: http://gallery.menalto.com/
Galleria (JavaScript image gallery written in jQuery): http://devkick.com/lab/galleria/
Galleria: http://galleria.aino.se/
Full Screen Image Gallery (It automatically scales the image with kept aspect ratio to fill the browser background, with a flickr search engine, thumbnails, captions, preloader and some other goodies): http://devkick.com/blog/full-screen-image-gallery-using-jquery-and-flickr/
Ron