The fastest and most customizble:
http://www.versiontracker.com/dyn/moreinfo/macosx/17602
Iview Media Pro make basic HTML galleries with your specs but the HTML templates aren't as customizable meant more as a photo/media database tool, I love this program, quickest at dropping a folder of 1000 pics and seeing what you got.
http://www.versiontracker.com/dyn/moreinfo/macosx/9659