<style>
  .centeredthumb {
    width: 100px;
    height: 100px;
    background: #f0f0f0 no-repeat center;
    border: 1px solid #c0c0c0;
  }
</style>

<cfset dir="#ExpandPath('photos/')#">

<cfdirectory name="dirlist" directory="#dir#" filter="*.jpg">

<cfoutput query="dirlist">  
    
  <cfx_imagecr3
    load="#dir##dirlist.name#"
    save="#expandpath('thumbnails/')#"
    resize="[100"
    recrop="100"
  >
  
  <!--- the next line helps keep lines short for the documentation --->
  <cfset css="background-image:url('thumbnails/#imagecr.filename#');">

  <a href="photos/#dirlist.name#">    
    <img class=centeredthumb style="#css#" src="blank.gif" border=0></a>
    
</cfoutput>