Just to re-emphasize, you cannot create folders (or transfers of images) in the native 'Photo' app on the iPad (maybe in the next iOs5 version?) - you can organize your folders on your computer and then sync via iTunes to your iPad - that is your only choice w/ the Photos app.
OTOH, there are other photo apps that will allow more manipulation of your photos - plenty of discussion here on the forum, so do some searching - good luck in your choice(s) -
And since this topic has been covered numerous times on other threads...this one will now be closed.
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