<html>
<head>
<title></title>
</head>
<frameset rows="100,* border=0 frameborder=no>
<frame name="top" src="tuapagina.html" noresize scrolling=no>
<frame name="centrale" src="http:///www.url.com/nomepagina.html" noresize scrolling=no>
</frameset>
</html>

e da un qualsiasi link chiami la pagina master
Ciao,
dover