My first post as well, but as to your question, there are plenty of CSS templates available. I suggest CSS because a) it's easier to deal with

it's easier for robots to index. Google for CSS templates and you will find many.
My other suggestions, if you are not doing so already, is to use a plain text editor with syntax highlighting. Use semantic markup, in other words, use HTML elements for what they are. Use H1 for headings, UL for lists (including navigation lists), tables for TABULAR DATA (not for positioning of elements). Always add a DOC Type declaration at the top of your documents, and run your document through a validator. The point is not a get a VALID, but to find any errors you might not be aware of. Test in several browsers, including Firefox and Opera.