Free Web Templates: This site also offers web graphics and more
http://www.templatesbox.com/templates.htm
If you don't have money for a web designer, but want a professional look, these are nice templates. I tested it out and it only took me 15 min's to find one I liked, download it and to start personalize it. The drawbacks include: Can't change certain elements that I personally would want to change and can't easily move items to a different location. However, for a newbie looking for a fast, cheap way to put up a site, this is perfect. And how do you make the changes, you ask? Read the post about Nvu.