If you haven’t tried the new “stationary” features of mail.app then you could be living in a cave (a cave that has no Mac with Leopard installed, hehe).
Here’s a neat stationary add-on called “Photo Cluster”. Here’s the “about” info as taken from the authors site:”
Photo Cluster is a Mail stationary I designed as a test of the drag-and-drop image wells embedded into some of the included stationaries.”
Get the info and the download at Pete’s site – http://pz2.ucls.uchicago.edu/photoCluster/