I fixed it.
I decided to look at all the config files.
The index.php looked fine, config-inc.php looked fine, header-inc.php looked fine, but config.int.php had one error. The install file placed the location of the forum directory in ../photos/forum instead of the correct directory of ../forum. I made the quick change and now I can login.
Maybe this will help someone else.
Now, I can start setting it up. Here's hoping for smooth sailing.
Thank you, Steve