Almost every digitial camera comes with some kind of editing software. Look at the disk that came with your camera. You shuld be able to , at least, crop and resize with that software. I use photoshop so that probably won't help you. I would think windows comes with some kind of pic editing program.
By reducing the physical dimentions you can lower the size that they save as... sorry i'm just kind of thinking outloud now, good luck,
Somone helpful will be along shortly.