Jim,
Use an instance of the web browser control on your form and just render your thumbnails as IMG tags in an HTML document displayed in the control.
Edit - Jim it is even easier than building any HTML doc, just thisform.oIE.Navigate( "C:\Documents and Settings\David\My Documents\My Pictures\Seattle2004\0592" ) and it'll show icons and the user can change the views to any particular view like thumbnails or filmstrip etc.
>Alternatively, I could create a Window on my form. I assume that this is inherently scrollable. But, how would I put the array of image control objects in the window?