You're very limited there then.
If you want something totally free, you've got something like flickr, which satisfies 1 & 2, but not really 3.
www.filckr.com
Or, you could use something like photium (
www.photium.com) £80 a year. There are others like this, but I can't for the life of me remember the name of them! This satisfys 2 & 3, but not 1.
EDIT: Another site like this is clickpic (
www.clickpic.com) which starts at £35, but you only get space for 60 photos
The other option you have is to design a site yourself, using a template like those available from
www.freecsstemplates.com or other sites. You'll have to buy a hosting package and possibly a domain name as well, but this way you'd probably looking at around £30 a year. Again, this satisfies 2 & 3, but not 1... It's not as expensive as the option above
I'm sure there are other options as well, but those would my suggestions
