The reason for my confusion is I had seen some services advertising a yearly cost, and some monthly, but none of them ever specified the duration for the bandwidth. For example, one place has a $15/year plan. It includes 200mb disk space and 4GB bandwidth. Since the price is per year, I couldn't tell if the 4GB was also per year. It doesn't say.
This is for a group I'm involved with that wants to do a site like pics.bbzzdd.com where members can post photos for discussion (and hopefully keep people from using it as a hosting site for ebay auction photos). I guess that would be a personal site.