I did my own, but photoreflect will also set you up with a pretty generic template if you host your pics through them. I had VERY little design experience before I started my site so I went with Yahoo Small Business. They have decent free software and troubleshooting.
That being said I don't make $500 a photoshoot and my clients are fairly rural and happy with a pretty, basic site. If you are trying to market high class/expensive work, etc. you might want the quality site a professional can provide you.
Good luck!
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~Wannabe
Canon Rebel XTi & 2 broken p&s NOW 1MP kid tough camera
Canon EF-S 18-55mm f/3.5-5.6 II, Canon EF 50mm f/1.8 II, Canon 430EX Speedlite
Photoshop Elements
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