All mine are done in Dreamweaver for layout and then handcoded to tidy it up... I have a library of Javascripts for various functions too (e.g. button / text rollovers)

...having said that, you can get excellent templates for free all over the web (just Google 'free web templates') for usually just a linkback to the template creators' website.

Do NOT, under ANY circumstances, use the 'Save As HTML' from Microsoft Word to create a page!