Hey Joe,
I'll put something easy together for you today. I like Jimbo's basic layout, however you should stay away from using font tags and stick with classes and styles.
The navigation, style sheet and footer will all be include files (you just cut and paste the include code for each page, so if you need to update anything you just update one file - the code cascades to all pages). It'll be something really easy for you to use.
It'll be coming your way via email shortly.
-- Best, John