I'm experimenting with "Big Huge Labs" website.
One of the blogs I follow has her pictures arranged
in mosaic format, 4 panels, 3 pics, etc. She posted
a tutorial...and it works. I linked to my flickr account
for the photos I'm using above.
Here is a link to her blog and the tutorial:
http://dearlittleredhouse.blogspot.com/2009/07/making-photo-mosaics-tutorial.html