That's one possibility but the main reason is that Jeff is a new member and the moderators want to manually check new members' posts. I also found the same problem with my first posts with photos. It took a day or two before they appeared in forum. Later no problems.While it's certainly kind of the form admins to allow us to host photos here using their storage / bandwidth, the user interface for doing this is not necessarily the most friendly. I would suggest you just get a Flickr account and upload your images there. Flickr will generate the code necessary to share the image on the forum, and you just copy and paste it.
Assuming your photo is on Flickr, go that particular photo's page, and you'll see an arrow pointing to the right (located below the lower right corner of your image). Click on that arrow, then choose "BBCode" and a size option, then just copy and paste the code here.
So, Jeff don't worry, be patient and everything starts working.