you can reduce the size of your photo
I just got a winXP machine. I found out that I can right click a jpeg image, select Resize, and choose the smallest size. Then a smaller version of the image pops out in the same folder, with the name modified with a suffix [small].
You can use Picture viewer in win 2k, or microsoft picture viewer to open up your image file and resave it as a lower quality (say 50 %) compressed jpeg image
have fun