Assuming you have a server to test this on, try something like this:
----- first file: content.html ------
This is the content I plan on placing in my page.
-- end first file --
----- second file: header.html ------
<CENTER>Wecome to my home page<BR></center>
<B>[Button one] [Button Two] [Button three]</B>
-- end file --
----- third file: footer.html ------
<I>Here, I'm going to place some copyright info and such</i>
-- end file --
----- fourth file: index.php ------
<?php
echo "<TABLE width=100%>\n";
echo "<TR><TD width=100%>";
include ("header.html");
echo "</TD></TR>";
echo "<TR><TD width=100%>";
include ("content.html");
echo "</TD></TR>";
echo "<TR><TD width=100%>";
include ("footer.html");
echo "</TD></TR>";
echo "</TABLE>";
?>
-- end file --
Place all of these in the same directory and go to index.php
Is this what you're talking about?