I have two monitors: one is a 4:3 on a desktop and the other a 16:9 laptop
monitor.

I want to use a .JPG file from a 4" x 6" digital camera photo as the desktop
background on the laptop. But when I set it up by right clicking on the
desktop, selecting properties, and browsing to the appropriate .jpg photo
file, the resulting image is stretched out, distorting the photo in a manner
similar to what appears on sports bar HDTV sets.

I assume there's a way to retain the correct aspect ratio, leaving a pair of
"black" bars at the left and right ends of the photo.

How to do it?

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PT