I think programming can be an art form. When everything comes together, the little bits and pieces work and you get what you want with nice, clean code... that's just nice.
Most of the stuff I do in web design uses pretty few images. I think that all the chrome is often useless. You can make a fast and beautiful web page just using CSS and text.
You can ask 10 programmers to write a program and each will go about it in a different way. I imagine in big programming projects a lot of the interface is not designed by the programmer, but in smaller ones it's the programmer's task to produce an intuitive and easy to use connection to the user.