Crea un file index. htm ed inserisci questo codice:

<html>

<head>
<title>New Page 2</title>
</head>

<frameset cols="150,*">
<frame name="left" scrolling="no" target="rtop" src="Page1.htm">
<frameset rows="20%,*">
<frame name="rtop" target="rbottom" src="Page2.htm">
<frame name="rbottom" src="Page3.htm">
</frameset>
<noframes>
<body>



This page uses frames, but your browser doesn't support them.</p>

</body>
</noframes>
</frameset>

</html>

Poi crea altri 3 file .htm con i seguenti nomi Page1, Page2, Page3.
Apri il file index.htm.
Era quello che volevi?