I don't mean to pick, but I wouldn't suggest using non-standard features like iframes. They aren't supported by any browser except IE. Although I do like the look of most Photoshop designed sites, that images ARE a bit bandwidth intensive. If this isn't a concern (you're on a host without a bandwidth limit) then I say go for it.
My main suggestion would be to make it effective as opposed to simple. As commented above, figure out the sections and make a basic layout. One thing you may want to look into is CSS which will make your layout and implementation much much easier. You can learn more about HTML + CSS at
www.w3schools.org .