Is it allowed to make website that has a frames, example one frame contains pic gallery site with its own picture ads, and other frame contains myown text for adsense ads appearing`?
Yes, but you need to change your AdSense code to include the variable google_page_url. Ask Google for details.
and i have always thought that google dont allow other Image ads than their own image ads. but what about that statement Do not alter the results after ad clicks or searches - Ensure you are not in any way altering the site which the user reaches to after clicking the ads. Do not frame, minimize, remove, redirect or otherwise inhibit the full and complete display of any Advertiser Page or Search Results Page after the user clicks on any Ad or Search results.