my Gallery does not show any folder.jpg files. hrmmm
check to make sure they aren't .png .gif or .jpeg files. also if you don't want a specific directory to be found by the Gallery you can put an empty file called .nomedia in that directory and it will be hidden from Gallery.
Edit: Where are you storing your music directories?
you need to create folders on your SdCardNot to sound stupid but once I do the whole ".nomedia" thing how do I access my pics again? I'm new to the droid and would love to hide "sensitive" pics to avoid giving my mother a heart attack, but I'm not exactly a technologically savvy girl.