index.php (toplevel albums)->album.php (thumbs of images in albums or subalbums or both)->image.php (individual image) is the standard way how Zenphot themes work. You have subalbums thus the extra step.
I suggest to read the theming tutorial before proceeding to understand how Zenphoto themes work. You want probably to jump to the first image of each sub album directly. We have a function for that, search the documentation for "firstimage " or so (don't remember the exact name right now)
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I suggest to read the theming tutorial before proceeding to understand how Zenphoto themes work. You want probably to jump to the first image of each sub album directly. We have a function for that, search the documentation for "firstimage " or so (don't remember the exact name right now)
Edit: See here http://www.zenphoto.org/documentation/functions/_template-functions.php.html#functiongetFirstImageURL