[*] What is the filetype of the picture sent to you?
[*] How long have you know the person who sent you this picture?
Point of fact: People who try sending you their picture for no apparent reason, are trying to infect you with a virus. They are usually files named something like "mypic.jpg.shs" or "naked.scr" or "hot4you.jpg .exe".
If you are uncertain about the person who sent you this file, ie, you don't see them regularly... then you should treat this as a virus threat and take immediate action on identifying and removing it. If you find yourself getting banned from a lot of channels, then you are already infecting other users.
Then again, it could be a harmless picture. Better safe than sorry.
- Raccoon