Andy ,
there is software out there.. but its mostly produces templated shit...
You are better off IMO to get the basics right and use "helper-type" applications to streamline the process.
Requirements - warning page, main page 2 x gallery pages, 20 pics min,2-3 banners/ads per page only.
You will find lots of "my first freesite" threads in this forum and in the Newbies forum -
http://www.greenguysboard.com/board/...p?s=&forumid=5
Submissions per day; is a per linklist thing, but is usually limited to ONE.
DD