you have cheats or some kind of high score hack (if FBA does such things like old MAME did) turned on.
incidently, this is why MAME doesn't allow you to boot up with cheats on, despite people requesting it all the time.
Thanks Haze, you're right, I forgot I had Album feature unlocked (^_^)'
All works OK after pressing F3 (although, cheats were loaded automatically each time FBA started).
Seems to be that Cheat author forgot to type "Default" value to "'0", and he left it as "1"; so this Cheat file was always loaded by default,
This is the correct file:
cheat "Unlock Photo Album"
default 0
0 "Disabled"
1 "Enabled", 0, 0x101ED7, 0x09
However, I didn't see that "cheats" was still enabled, just because at simple view (from menu) it looks disabled (no marks next to text).
So, what I mean is that would be good to add a "checkmark" next to "Enable Cheats" (at the left) to see if they're enabled or not.
Something like this: