Oooh, I know what you both mean...using html to 
resize images like that is one of my pet peeves 
^_^;;.  Not only does it take the page forever to 
load, but you can *tell* that it was done that way 
(or at least, it's blatantly apparant to me, but 
I'm attached at the hip to my Photoshop program 
^_^;;).  The images are pixellated when it isn't a 
true resizing.  But anyway... *steps down off her 
soapbox sheepishly*

I also do it manually *G*.  I have one photoshop 
file that has the border that goes around my 
thumbnails saved in a separate layer.  After I've 
scanned in a cel and edited it so that the scan 
looks like the real thing, I resize it and copy 
the resulting image into the border photoshop 
file.  It goes underneath the border layer, and 
then it's easy to save it as a new file.

I think that there are quite a few people who like 
to use a program that makes them automatically, 
though.  Something like thumbsplus?  If you search 
through http://www.download.com for "thumbnail", 
I'm sure you'll come across something ^_^.  Good 
luck!

Talia