Hello Bill,
Yes, 109MB is very large for a single photo file size. You must have a very high-resolution professional camera for them to be that large! Typically, my 5 megapixel camera at highest quality setting will yield a photo file size of about 5MB maximum.
In any case, you probably installed some photo software that came with your camera. When you open a photo in your software, there should be a way to reduce the size of your photo. If you can find the "resize photo menu" (check your software's Help File), reduce the photo dimensions to 640x480 pixels, then save the photo as a .jpg. That should get you well under the size limit for the forum upload.