The April 29th episode of the Make podcast, mentions smashTheTONES. This is a free service that lets you upload your own music to use a ring tone for your cell phone. It also lets you upload images as well.
I tried to use this with my Motorola T730c, but this phone only supports uploading images though this service. Also, I am not able to see the images on my phone, but I think that this is caused because I don't pay for Verizon's GetPIX service