The style I use is the have a wrap around gui using tables, and have my page end up inside a <td>. An example of ths setup is:
TopTemple.html:
<table>
<tr>
<td>Corner graphic</td>
<td>Top menu bar graphic</td>
</tr>
<tr>
<td>Left menu bar graphic</td>
<td> --This is where the page will get inserted once this file is included in the page
BotomTemplate.html
</td>
</tr>
</table>
ThePageYouWantToHaveIncludesIn.php:
<html>
<head>
<title>Test page</title>
</head>
<body>
<? include 'TopTemplate.html'; ?>
All the stuff your going to have on that page
<? include 'BottomTemplate.html'; ?>
</body>
</html>