when you scan a photo it goes in as a pdf file.
i open Windows live (my photo program) and then go to File and then import from scanner or camera.
i click on that and a menu box opens, it says photo and will go in as a jpg. which is what you want.
i was scanning things in and didn't figure this out for awhile!
i just did one and noticed it said 200 in size so i lowered that to 100 which saves me having to go in a resize it!