CE500 Wallpaper Size Problem??

I know the CE500 says 128 x 160 but that obviously isn't the actual size for sending wallpapers to the phone. I'm trying to make my own, upload it to my website and then download it. When I do this I get a white border all the way around the image. I've tried making a larger image but it still has a border.

Does anyone know the actual size that the wallpaper should be made for the internal and external screens?

Thanks,
Jeff