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Your FTP client is actually fairly irrelevant to making something password protected. And FTP is a fairly insecure transfer method as your username and password are sent in clear text. How bad would it be if these pics got to the wrong people?

If you REALLY need to keep it secure, then I would suggest a web front end to some secure storage with the security on the web app.

If just some security is needed, then you can still go with FTP and you need to worry about setting up the server side to allow different access to different sub folders based on the login criteria.