I don't think so. There's a distinct border between the pic and the ads, so that should be okay. Still, email Google just to be 100% safe.
you can read http://adsense.blogspot.com/2006/12/ad-and-image-placement-policy.html to learn the official answer from adsense
no, i dont think so, because there is nothing that can be clicked in your body text around ads. so, user will click on ads only if he is interested.