You don't want a Flash template if you're going to be updating it yourself. It's definitely not as easy as a regular html/css theme.
I would suggest looking at Wordpress. There are lots of photography templates (
http://www.1stwebdesigner.com/wordpr...dpress-themes/). You'd be able to set up your Wordpress site in the "background" while you develop it. Once it's ready you'll be able to make it your "live" site pretty easy.