nope, that wasn't it...uploaded a fresh .htaccess file and changed the rewrite base to /gallery which is where my gallery is located. Everything is still working, except with watermarks turned on, images won't load on the image page, and captcha still isn't working.
Some system specs might help, but I think everything is a current version:
Apache 1.3.37 (unix) webserver
PHP version 5.0.5
MySQL version 5.0.27-standard-log