Samsung SGH-D807 / D806

Love this phone but does anyone know why wallpaper images in the photo files won't allow me to show the whole image? They get cropped on the top and bottom on the screen after chosen. Some but not all of the images when chosen are prompted by a question (Set as wallpaper? standard ratio?) with a box to check for no, if you leave it unchecked the photo will fill the screen entirely, which looks very nice. Thoughts?