I just watned to tell everyone about a new site:

Hook Up Call enables you to download your own MIDI ringtones and JPG
wallpapers to your web-enabled cell phone. You do not have to purchase
expensive software or cables. And you don't have to pay your cell
phone company for each download*. Simply browse to a .mid or .jpg file
on your hard drive and send it to your phone.

See More: ANN: new site to download your own wallpapers/ringers