easy image format to write loader for?

I've been going through some image format possibilities for my game and I can't decide on a commonly-used image format for my game's data.

Targa is a tried-and-true format but it has a lot of different standard-supported options of storing pixels such that I'd have to write like 8 or 9 functions to load and translate all the different ways a .TGA file's image can be stored.  Not fun.

.jpg and .png are a pain in the butt, even more mathematically annoying with their use of compression and all.  .gif is just not an option.

Buh buh buh... are there no super-simple image formats out there whose header specifications just look like this:

int width
int height
and then an array of guaranteed 24-bit {a,r,g,b} quadruples

Actualy i would recommend to the person who posted this to come up with his own image format. Then you can CHOOSE what your format is going to be. This allows your solution to grow with the needs and requirements for your application.

After you have defined your own data structure for images, you can then build a converter application that will convert the images into your format, that is then loaded by your application.

The same goes with your 3D models. Most implimentations i've witnessed are very poor object orientated programing concepts. More or less like flat files on crack. Do yourself and the people in your team a favour and write you own model class, texture classes. This will give you confidence in your defined standards and not sombody elses format.

Be very carefull but, it seems like your caught in the mindset to catch up with everyone by supporting each and every image format that has been created by man. Don't do this! You will get frustrated, with all the idiocicrency with other people solution to the problem. Sit down and enjoy yourself writing the way you would do it, because utlimatly the consumer doesn't give a shit about what you do, you may as well have fun well building the application and learning.

Find the depencices and elimate them, follow that moto and within 6 months you will be shipping a quality product that your competition will be asking "how? did he do it?".