I understand how to create photo library in a custom site definition.
How would I go about initializing some folders within that photo library
when the site is created?

I tried adding something like this inside of the <List/> node but images
are created with the names (well, not images, but what the library
thinks are images).

<Data>
<Rows >
<Row>
<Field Name="A Photo Folder"></Field>
</Row>
</Row>
</Data>

Does anybody have an idea how I might do this?