96 dpi should be okay. It is when the picture is 200 dpi or 300 dpi that the file is too large for the internet.
I am not sure about your camera or the software you use to download your pictures onto your computer, but if you have a "save as" feature in the application, save for the web (and choose jpg, not gif). Just saving as a jpeg (jpg) may not be enough to lower the file size. Jpg's can be large files!
When you scan your card, scan at 72 dpi and then "save for web."
Both these steps will lower the file size and decreaseupload time!
I hope SCS agree!