Living demo:  http://photos.zldnn.com/   . You can register a user (free) to create your own albums to test it. 
You can download 15 days free trial from http://www.zldnn.com/Download.aspx .

My Photo Gallery is a “Social Gallery” and user centric. It allows users of your web site to create and manage their own photo albums easily. And they can share their albums with friends or site members easily. Administrators can decide which roles can create galleries and add photos. Users you allow to create galleries will be the administrator of their own gallery and photo albums. He/She can create new albums, upload photos and manage them. And he/she can choose to share their albums only with their friends or publish them for the public. The product is integrated with DotNetNuke Journal. Visitors can learn photo uploads or album modifications from Journal. 

There are also many other features in the product. The product supports email notifications for new album and photos. Moderators can receive emails when there are new albums or new photos. Then they can review the new content and approve/reject them.  The product fully supports template. This feature can help you to build more attractive gallery UI. It also supports watermark for photos. You can enable text or image watermark. The product allows users to add annotations to photos. The owner of the photo can decide who can add annotations.