Kenneth, if you can resize to 640x480 it should go. That's what most forums require.
rescaling to 640 x 480 or thereabouts is appropiate for rendering nicely on the forum page and usually brings the file size down to under 250K when the pic was taken with most phones.
using a dslr though may still result in a file size that is over the kb limit.
since your camera is already set at its lowest setting, I reccomend looking at the laptop app you use to rescale and seeing if it allows you to save a copy at a higher compression.
so if your camera makes jpegs, "save-as" the rescaled jpeg to 50% compression and see what the file size is.
if your camera does not make jpegs or you are trying change file types in your laptop program, there are other ways to skin this cat, but I would need to know more details about your camera settings and laptop app to be able to help more