I just spent a little while playing around at ImageChef, and apart from one piece of code for a flash image that just wouldn’t work in my blog, this site is very easy to use, and you can quickly generate a variety of fun images!
Here’s an image I personalized from the Fun Category.
It’s as easy as choosing from the menu of background options and typing in the text you want. I just used the templates and images available at the site, but you can also upload your own photos for many of the projects. Registration is optional; you can create and access the resulting html code without signing in. So what are you waiting for? Go try it out!