I won't give you the advice you want, sorry, but a few thoughts.

- The most important thing about a web site is its URI scheme. Contents and what goes on behind the scenes can change, but the URIs is the site's public interface and should never change once it is published. Please read: http://www.w3.org/Provider/Style/URI.html
- Don't use frames!
- Don't use ".htm" extensions. It is an ugly Microsoft artifact; the proper extension is ".html"
- To the greatest extent possible, use standard compliant (X)HTML together with CSS for the styling. [edit] If you get a program, check if they generate standard compliant code - most do not! [/edit]

It might be good to read most of W3 Consortium's Putting Information onto the Web guide; might help you see what it is all about.