Ciao bra!
Se vuoi una pagina con due frames devi farti tre file:i singoli frames ed il frameset.
Un'esempio (prova a salvare questi file e ad aprirli con explorer):
framesuperiore.htm
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Frameset//EN" "http://www.w3.org/TR/html4/frameset.dtd">
<head>
<title>il frame superiore</title>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
</head>
<body style="background-color:#D70B05;">
<div align="center"><p style="color:#FFF8DC">FRAME 1</p></div>
</body>
</html>
framecentrale.htm
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Frameset//EN" "http://www.w3.org/TR/html4/frameset.dtd">
<head>
<title>il frame centrale</title>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
</head>
<body style="background-color:#FFFF33;">
<div align="center"><p style="color:#D70B05">FRAME 2</p></div>
</body>
</html>
frameset.htm
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Frameset//EN" "http://www.w3.org/TR/html4/frameset.dtd">
<head>
<title>il mio frameset</title>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
</head>
<frameset rows="132,*" cols="*" framespacing="0" frameborder="no" border="0">
<frame src="framesuperiore.htm" name="topFrame" scrolling="No" noresize="noresize" id="topFrame" />
<frame src="framecentrale.htm" name="mainFrame" id="mainFrame" />
</frameset>
<noframes>
<body>
Qui puoi scrivere un testo per i browser che non visualizzano frames</p>
</body></noframes>
</html>