OK... I checked the Photo directory and it has an index.php file. Here is the code used in htaccess which also resides in the Photo directory:
# htaccess file for zenphoto
# NOTE: Change the RewriteBase below to the absolute path to your zenphoto directory.
<IfModule mod_rewrite.c>
RewriteEngine On
# !!! Change this to the absolute path !!!
RewriteBase /www/m/maltesenet/photo
RewriteRule ^zen/(.*)$ - [L]
RewriteRule ^tests/(.*)$ - [L]
RewriteRule ^admin$ admin/ [R]
RewriteRule ^admin/?$ zen/admin.php [R,L]
RewriteRule ^admin/admin.css$ zen/admin.css [R,L]
RewriteRule ^admin/admin.js$ zen/admin.js [R,L]
RewriteRule ^page/([0-9]+)/?$ index.php?page=$1 [QSA,L]
RewriteRule ^([^/\.]+)/?$ index.php?album=$1 [QSA,L]
RewriteRule ^([^/\.]+)/page/([0-9]+)/?$ index.php?album=$1&page=$2 [QSA,L]
RewriteRule ^([^/\.]+)/image/(thumb|[0-9]{1,4})/([^/\\]+)$ zen/i.php?a=$1&i=$3&s=$2 [QSA,L]
RewriteRule ^([^/\.]+)/image/([^/\\]+)$ albums/$1/$2
RewriteRule ^([^/\.]+)/([^/\\]+)$ index.php?album=$1&image=$2 [QSA,L]
</IfModule>
Thanks,
Chris