why dont you learn html chuck? its really useful in todays webdesign world.
there are always lots of helpful tutorials out there. I will try to post up one on my webmaster site when i finish it
as for coolnyc's question...
i dont know what you mean by whats the best template program but ill atempt to awnser that question. with Adobe Photoshop you can create some mad graphics that would make a great template. Dreamweaver also provides a template creator.
Cool page (can be found here... www.downloads.com) provides a really, really good template creator. you could really use anything actually, but if you want something easy with a good GUI that is just click>>>copy>>>paste and you got yourself a site. Frontpage, Dreamweaver, Coolpage is for you.
if not, just create images on MsPaint and using Notepad you can assemble the images and make a template out of that. your choice.
I use Photoshop and HTML-Kit which is working out well from me. just all HTML/JS coding and a few graphics
hope that awnsers your questions.
-Josh 
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